Nick, take it from someone very new to online racing, that if damage in the club races was on 100%, i doubt i'd finish a race for a good while until i build up the skills to stop making mistakes, and slamming into walls. If that was the case, i probably wouldn't bother doing these club races and just continue racing the AI where i can restart if i want. Sure i'll get better over time,and won't need the low damage multiplier. But then, i'd probably be having a lot less fun, and learn a lot slower. These club races give a chance to us newbies to learn how to race against fellow racers online, and at least allow us to finish the race if we do make a mistake. From my understanding these club races are meant to be about having fun and learning off each other, league racing is if you want to get a bit more serious. We don't all have the time to be practice and be perfect, nor do some of us have the skill to.