Need for Speed High Stakes

I fondly remember Need for Speed 4 from my childhood. I had a friend who was really good at this game, unlocked all the cars, while I always was terrible at racing games, so I didn’t even manage to complete the first tournament race.
So, I decided to revisit it. And it is still brutal. You need to pay entrance fee for most tournaments. You car gets damaged and needs repairs. To compete in eponymous “High Stakes” race, where you stake your car against opponents, you need an extra car.
At first I thought that upgrades, tucked away in one of the menus, will help. But it’s quite pointless, since opponent cars are upgraded as well.
Some of the tracks are extrucicating. With 8 laps, they take 15 minutes of real time. And this is before modern racing features such as time rewind and guidelines.