The graphics are terrible. Adding RTX adds in reflections that past games faked better than this game does with ray-tracing. The color palette is somehow washed out, and textures in places are suprisingly low-res and copy-pasted for a game that was so long in coming.
The microtransaction hell has been made even more awful this time as you don't feel like you had a good value for what comes "standard". It's an uninspired, soulless game that used to be better than the competition because of things like presentation and fun. It's now a worse sim than Asseto Corsa, and has less soul than Gran Turismo 7.
To say I'm dissapointed would be an understatement. This game killed my hopes for a future Forza that doesn't say "Horizon" on it. At least that's a fun, but over microtransactioned, piece of fun. I think they forgot why they make this game, and it's a sad end for a series I used to love so much, and gave me an alternative to GT.