Overall NFS Payback isn't a terrible game, although far from the best in the series. I got it for free on Xbox Gamepass.
Pros:
•Customisation is great
•Good car list
•Unrealistic but mostly fun driving physics
•Map is not terrible
•One of the best NFS games in a while
•World and cars look great
•Derelicts give a hint of Forza Horizon
Cons:
•Crash reset system is erratic
•Takedown cam is annoying (able to turn off in settings)
•Storyline dialogue is pretty cringey
•Offroad race physics can be very challenging
•Why would I race a drag car on a switchback mountain road?
•Game ending is underwhelming