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

Execution · Practiced Mastery
Arcade driving gated by a randomised upgrade-card progression economy.

Execution · Practiced Mastery
A golf simulation testing swing-meter timing and course management.
Need for Speed: Payback leans Execution (Practiced Mastery); World Class Leaderboard leans Execution (Practiced Mastery).
Same score on execution - which means the number cannot separate them. The difference is in what each one asks of you.
Need for Speed: Payback
Arcade handling and chase setpieces need decent hands
World Class Leaderboard
Timing the swing meter for power and accuracy is core
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
World Class Leaderboard
Solo golf with no opponent to predict
Same score on variance - which means the number cannot separate them. The difference is in what each one asks of you.
Need for Speed: Payback
Speed-card upgrade rolls gate progression randomly
World Class Leaderboard
Wind and lie add managed randomness to shots
World Class Leaderboard leans a little harder on optimization, though the gap is small.
Need for Speed: Payback
Grinding efficient builds and routes is the systems layer
World Class Leaderboard
Club selection and course-management decisions reward planning
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.