Well, that was/is not my experience with Forza 5. I have well over 10 cars in my garage (including the Lotus F1 car) and I have only put a bit more than 10 hours into the game so far.
To be specific, according to my Forza 5 Progress page in the Smartglass app I have:
11 hours played
Driver level 15
8497673 credits earned
8.5 million credits should be able to buy you more than 10 cars unless they are all the most expensive vehicles.
I've yet to be bugged once to make a microstransaction in Forza 5. It's an option on the car purchase screens, but never shows up otherwise.
Turn 10 changed that.
So much incorrect, misinformed stuff here.
@Reallink - I find it hard to believe you played Forza 5 30-40 hours and only had 10 cars. You said you played what one would call a basic progression (say from lower classes up and side events). It has to be an outright lie, if you followed the progression you say, that you only had 10 cars. Unless...you literally spent 100s of thousands (millions) on the most expensive cars possible right up front (based on your "progression" statement...one would assume you didn't).
I have less than 18 Hours in the game (including tuning/racing/painting) and have at least 50 cars in my garage (possibly more cars than the entirety of DC in that time) last I checked. I've not bought a single car with tokens (not even the free ones Turn 10 gave out). I've also not spent any of the $4 million or so they gave us way back near launch.
Turn 10 constantly gifts big money/rare cars and Credits (not tokens). Heck...just the gift cars could get one through a lot of events.
If your story is at all true.....it's the biggest "You're doing it wrong." I've ever seen.
So do I. I'd rather we didn't have microtransactions, but I'm ok with it as long as they aren't ever forced on us. (like running out of "gas credits" and needing them to drive a car...barf)
I'm fine with how Driveclub is doing it.
When I played the game in February, you earned ~30k credits per level up, and 7-11k credits per race win (assuming expert, most assists off, median manufacturer bonus) which factoring in the ridiculously long load times probably averages out to ~5 minutes a race. So if for example you raced 25 hours, at around 5 minute races, that's ~300 wins. This of course does not include time spent upgrading, turning, buying, navigating menus, etc... so you would in actuality be up to 30+ hours play time. Anyways, 300 x 9k credits avg = 2.7 million credits. I don't know where exactly 300 races would level you to, but probably somewhere around lvl 40-45. 43 x 30k = 1.29 million credits in leveling bonuses. Playing the class circuits straight (D>C>B>A>S>R>P), this puts your wins + level bonus @ 4 million credits. From my recollection an R-class car costs ~1.3 million and a P-class ~2.5 million, so buying the last 2 cars alone would effectively completely exhausts your 30 hours earning. I do not recall having to buy different cars to play through the class circuits, meaning a single D car would complete the D circuit, etc... so you would only need 8 cars (or less if you upgraded instead of purchasing) to complete the 8 main class circuits. A few of those 8 would also quality for side circuits as well (e.g. Roadster, Sedan, or Super Car), so I've got no idea how or why you're claiming 10 cars is impossible.
Every time I lay these numbers out, people (whom I can only assume are paid 'turfers) claim they make 20 million credits in 10 hours or some similarly preposterous shit. I have no idea how. Maybe if you live in the OT and do nothing but exploit the highest credit pay outs or special online events. All I can say is I put the disc in and attempted to play the SP campaign and that is what I earned.