Regarding performance & FPS stuff...
I made a new fresh installation, and patched it of course, and started to install my new fantasy carset; it has 11 shapes which are exactly the same, actually Wai's new MP4-18, with approx. 4000 polys. And more, I copied lod 0 to all lods. What is now your OP, you ask? Still around 100%, with all details exactly the same like my other 2003 installation with costom made cars, with all proper lods.
But in my fantasy set I'm using only 512x512 textures, and the only logical conclusion is that hi-res textures are real performance killer, lower lods isn't affecting it so much.
So, if you wan't to improve your visuals & performance in GP4, you might consider doing this: copy your lods3 in lod4, so you don't see that ugly cubic shape in your mirrors, and use 512x512 textures; the difference is really small compared to 1024x1024, maybe not worth at all for people with mid configurations.
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Bojan Tarticchio