Well, I completely unlocked everything and bought all the most expensive cars and everything because I just loved it so much that with the 1.5 to 2 minute load times on EVERYTHING didn't deter me at all.  If you indeed overclock and go along that same route, you will find a PERFECT game if you are a fan of racing games or not.  I am not a racing game fan, but loved Midnight Club 3 DE.  Give it a try.  Thanks for the tip, though UC.  If I feel like playing it again, I'll do exactly that, but as it is, I sold the game.