That's about the way I am most of the time on Forza, but I'm probably much worse than you.
I normally just play the fun game modes, like tag and virus so intentionally wrecking is actually a good thing!
Anyways, welcome to the site! I hope you enjoy it and if you have any questions, just let me know. Right now we don't have a lot of active members anymore, but hopefully we'll start getting some soon.