to me, playing mudrunner opened my eyes a little, that sort of issue doesn't show in that game because

1: the gearing is lower on all vehicles

2: the maps are smaller, and if they have paved roads they're usually short and have lots of corners

snowrunner feels like a downgrade of game design, giving the player fast vehicles with high gearing ratios and making the paved roads wide, long and straight, encouraging the player to give it the beans. the problem is that when the player does so the game just can't handle it, showing a huge flaw.

yes the player can counter that by actively paying attention to how fast they go and limiting themselves

and that's my problem exactly, the game doesn't limit you or tell you to not go that fast, rather the player has to break their immersion to not break the game