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 · Practiced Mastery
Arcade car control at speed over memorised tracks with scripted police pressure.

Execution · Practiced Mastery
A multi-discipline motorsport sim spanning touring cars, open-wheelers and trucks with aggressive grid racing.
Need for Speed: Hot Pursuit 2 leans Execution (Practiced Mastery); TOCA Race Driver 3 leans Execution (Practiced Mastery).
TOCA Race Driver 3 leans a little harder on execution, though the gap is small.
Need for Speed: Hot Pursuit 2
High-speed cornering and traffic dodging are the whole test
TOCA Race Driver 3
Consistent laps and racecraft across many disciplines.
Same score on reads - which means the number cannot separate them. The difference is in what each one asks of you.
Need for Speed: Hot Pursuit 2
AI racers and cops follow rubber-band scripts
TOCA Race Driver 3
AI rivals race aggressively but predictably.
Same score on variance - which means the number cannot separate them. The difference is in what each one asks of you.
Need for Speed: Hot Pursuit 2
Cop spawns and traffic add mild run-to-run noise
TOCA Race Driver 3
Pack chaos and damage create incidents.
TOCA Race Driver 3 leans a little harder on optimization, though the gap is small.
Need for Speed: Hot Pursuit 2
Track knowledge and racing lines are learnable and fixed
TOCA Race Driver 3
Setups, braking points and discipline-specific lines reward study.
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.