I've been able to play a lot more since I have 5 days off and I want to post my thoughts on the drivatar.
First off if they want it more realistic, they failed. In a real race, you would be black flagged or banned for plowing into someone taking the corkscrew at laguna seca because you went in too hot. They slow down way too early and on mild turns you can hit at full throttle if you come in at the right angle, they brake for it and you ram them as a result. This causes a problem on its own. When you ram someone by accident because the AI hit the brakes in front of you or came into a turn and used your bumper as a brake pad, it sends that data out and your drivatar will now drive like that. So what we have happening is an endless line of drivatars who drive stupid because the drivatar that player was racing, drove terribly and they ended up in some crashes.Add to that no real penalty for going off the road and cutting a turn, and you then have AI that cuts corners and ignores your line. They don't try to avoid you because they are just following the line that the player took/takes. It almost appears that the drivatar doesn't learn to drive better because everyone is driving against a-hole AI to begin with so the cycle never ends.
It appears to go something like this. Player A is racing against drivatar B and C. B and C crash, causes you to pile up with them. Player B is now racing player A's drivatar and they cause a similar crash. The drivatar gained the info about the crash and there is no filtering. It simply takes the same line as before to keep similar lap times. Since player B crashed with player A's drivatar it will send the data about Player B being agressive, then when a new player races them...same thing happens, crash.