[Andrea Piovanelli]

You're both more experience than me and I read with pleasure your considerations, but I tend to agree with Simon on his thoughts about damage. I'm recently driving in Assetto Corsa Competizione and a couple days ago, in a race I was in a good position, I made a breaking mistake and slightly hit the wall with the front left of the car. This cost me a lot, like 2-3 seconds per lap, as the performance of that GT3 got really influenced by it; a 100% damage ratio, even if more accurate from a simulation point of view, can really be frustrating.
I don't really get very well how big is the influence of incident points on driver matchmaking, but I saw myself, when registering to a race, being on a higher position in the queue than drivers with a lot more rating points than me, so I assume incident points are already quite punishing and "cover" what a looser simulation doesn't.