head to head
Neither is meaningfully harder - they pose close to the same test. The widest gap is execution, and it is a single point.

Execution · Pure Mechanics
Throttle and counter-steer precision on loose surfaces against the clock.

Execution · Practiced Mastery
Arcade car control at speed over memorised tracks with scripted police pressure.
Colin McRae: Dirt leans Execution (Pure Mechanics); Need for Speed: Hot Pursuit 2 leans Execution (Practiced Mastery).
Colin McRae: Dirt leans a little harder on execution, though the gap is small.
Colin McRae: Dirt
Car control on loose surfaces is the entire test
Need for Speed: Hot Pursuit 2
High-speed cornering and traffic dodging are the whole test
Same score on reads - which means the number cannot separate them. The difference is in what each one asks of you.
Colin McRae: Dirt
Racing the clock or AI lines, nothing adapts
Need for Speed: Hot Pursuit 2
AI racers and cops follow rubber-band scripts
Same score on variance - which means the number cannot separate them. The difference is in what each one asks of you.
Colin McRae: Dirt
Surface grip and damage add mild run noise
Need for Speed: Hot Pursuit 2
Cop spawns and traffic add mild run-to-run noise
Need for Speed: Hot Pursuit 2 leans a little harder on optimization, though the gap is small.
Colin McRae: Dirt
Setup tuning and corner-line knowledge underpin pace
Need for Speed: Hot Pursuit 2
Track knowledge and racing lines are learnable and fixed
A matching score does not mean a matching test. Two games can both sit at 10 on execution and demand completely different things of you - which is why the reasoning above matters more than the number beside it.