head to head
Need for Speed: Payback asks more than Grand Theft Auto: San Andreas, and the gap is execution.

Optimization · Practiced Mastery
A sprawling open-world crime epic with RPG-style character stats across a whole state.

Execution · Practiced Mastery
Arcade driving gated by a randomised upgrade-card progression economy.
Grand Theft Auto: San Andreas leans Optimization (Practiced Mastery); Need for Speed: Payback leans Execution (Practiced Mastery).
Need for Speed: Payback leans clearly harder on execution.
Grand Theft Auto: San Andreas
Flying school and drive-bys need decent hands
Need for Speed: Payback
Arcade handling and chase setpieces need decent hands
Need for Speed: Payback leans a little harder on reads, though the gap is small.
Grand Theft Auto: San Andreas
Gang AI is scripted, never adaptive
Need for Speed: Payback
Cops and rivals run scripted pursuit logic
Need for Speed: Payback leans a little harder on variance, though the gap is small.
Grand Theft Auto: San Andreas
Territory wars and traffic add light randomness
Need for Speed: Payback
Speed-card upgrade rolls gate progression randomly
Grand Theft Auto: San Andreas leans a little harder on optimization, though the gap is small.
Grand Theft Auto: San Andreas
Stats, gym, weapon skill, and routes reward systematic play
Need for Speed: Payback
Grinding efficient builds and routes is the systems layer
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.