Purchasing the Premium Edition or individual Car Passes gives you access to dozens of additional cars without any violation of Terms of Use.
Once you receive a HWID ban, the only way to play again on that machine is to replace physical hardware components or use spoofing software (which comes with its own legal and security risks).
You can find 100% completion save files on reputable gaming community forums, Nexus Mods, or dedicated Forza modding groups. Look specifically for files tagged or "MS Store/Xbox App" , as Steam save files use a completely different format and encryption system. forza horizon 5 100 save game microsoft store 2021
Forza Horizon 5 uses a sophisticated anti-tamper system. If it detects a modified save or a mismatched ID, it will either:
Technical feasibility and platforms
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If you're determined to use a 100% save file, there is one scenario with lower risk: . Purchasing the Premium Edition or individual Car Passes
Risks and limitations