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
Pure car control over loose surfaces, sharpened by memorising every stage.

Execution · Practiced Mastery
Arcade car control at speed over memorised tracks with scripted police pressure.
Colin McRae Rally 2.0 leans Execution (Pure Mechanics); Need for Speed: Hot Pursuit 2 leans Execution (Practiced Mastery).
Colin McRae Rally 2.0 leans a little harder on execution, though the gap is small.
Colin McRae Rally 2.0
Surface-specific car control at speed decides every stage
Need for Speed: Hot Pursuit 2
High-speed cornering and traffic dodging are the whole test
Need for Speed: Hot Pursuit 2 leans a little harder on reads, though the gap is small.
Colin McRae Rally 2.0
Time-trial format - no adaptive opponent on the stage
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 Rally 2.0
Mid-stage surprises minimal once pace notes are internalised
Need for Speed: Hot Pursuit 2
Cop spawns and traffic add mild run-to-run noise
Same score on optimization - which means the number cannot separate them. The difference is in what each one asks of you.
Colin McRae Rally 2.0
Memorising stages and tuning setups converges times steadily
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.