well D... lets just take a minute to see what H24 might've been talkin about...
first, the whole point of having the collision mesh is to provide a physics body for the engine to detect collision events... agreed...
now, with that in mind, would a simpler, squarer mesh provide the physics engine with basically the same opportunity to detect collision as the complex model... all those little individual boxes... aren't they a lil bit overkill, i mean... seeing as nothing is gonna get in between the lil spaces in between them... right...
a simpler physics body means less work for the engine... right... especially when you add more than one car to the scene and have all of em linked to each other as well as the terrain (track)...
not to put words in his mouth, but i think that's the point he was trying to make...
something you might want to consider instead of dismissing it outright...
--Mike