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 driving gated by a randomised upgrade-card progression economy.

Execution · Practiced Mastery
A gleefully absurd open-world crime game where the Saints conquer Steelport as celebrity gangsters.
Need for Speed: Payback leans Execution (Practiced Mastery); Saints Row: The Third leans Execution (Practiced Mastery).
Need for Speed: Payback leans a little harder on execution, though the gap is small.
Need for Speed: Payback
Arcade handling and chase setpieces need decent hands
Saints Row: The Third
Generous shooting and driving keep the skill bar moderate
Same score on reads - which means the number cannot separate them. The difference is in what each one asks of you.
Need for Speed: Payback
Cops and rivals run scripted pursuit logic
Saints Row: The Third
Enemy syndicates never adapt to you
Need for Speed: Payback leans a little harder on variance, though the gap is small.
Need for Speed: Payback
Speed-card upgrade rolls gate progression randomly
Saints Row: The Third
Sandbox mayhem injects light randomness
Same score on optimization - which means the number cannot separate them. The difference is in what each one asks of you.
Need for Speed: Payback
Grinding efficient builds and routes is the systems layer
Saints Row: The Third
Upgrade trees and city-takeover income are straightforwardly maximised
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.