...Oh and I can't stand crashes turned off. I hate that you can't see a darn thing if you go through another car. It really throws me off. I prefer min damage because driving with a damanged car is no fun either.
I'm with you on both those points TJN. I don't know about you but with collisions off I still end up trying to avoid the other cars

It can also come as a shock to be running along and suddenly some other driver appears in the middle of your car - sort of a high-speed pick-up taxi service.
Thile I would like to have full sim damage, I would agree that limited works best for online, partly because there will always be some pillock entering the room for a crashfest and partly because when you're racing real people, there is less predicatability than racing the AI so accidents are more likely to happen.