Thanks for all the suggestions everyone. In case anyone sees this and is wondering, I picked up Assetto Corsa. The price was right and it looks like what I’m looking for, for now.

I also will keep an eye on BallisticNG and a few others.

Shout out to the kind Lemming who donated their spare key for Garfield Kart - Furious Racing to me. I’ll leave them unnamed in case they don’t want the attention. I’ve been playing and enjoying it!