With all due respect, only the original cars that came with the first version of Rfactor are "Ficticious", and even in that case they were modeled on real cars just without the licences. Later updates included cars such as the panoz esperante, Bmw Sauber F1 car, not to mention the hundreds of profesionally modeled/developed third-party mod cars (Which go alot further in using the physics model, and realism than the original cars).
Point being, many people consider the GTR2, Rfactor, Live For Speed, Iracing sims to be alot more realistic than the current brand of GT games we have, and i have to agree that to me it does feel more real, the tires have a more rubber grip to them, when cars understeer its usually because you're driving too fast, or in the wrong gear. When i go back to GT4 it always seems like you have to really compensate for a lot of understeer to drive the cars. When i tried other games, the sims especially i found myself steering into walls/offtrack alot due to how much i had learned to compensate for the understeer in GT4 for all those years.
The Zonda road car suffered badly from it, though with good setup and some time learning to drive it, it was probably the fastest road car in its power range around monaco, but that said it was always a battle against the understeer.
I cant actually speak personally for GT5P, but from what ive heard from other people its similar to GT4 with its issues.