I think you are 100% right.
The lighting drives me absolutely nuts. I have adjusted my TV and pulled my shades, and it is still difficult to see where the hell I am going. To make matters worse, the cars we are driving handle like a school bus. To stay on the road or corner hard or even quickly spin around is near impossible. I hate the driving in this game, I hate how when you are trying to steer under the already impossible conditions, you are actually adjusting the camera angle. So now its dark as hell, my car is fish tailing from lane to lane, the camera angle is a close up of my rear bumper and apparently in my blind driving I have ran over a cop and my wanted level is up.
The driving was superb in the all the previous installments... was the funnest part of the game. Ripping down the roads on bike or a fast car. Now you have to obey the laws or you will trash your car or mow down a pack of pedestrians. The steering is otroscious and lighting is lacking. ALSO THERE ARE TOO MANY COPS. WTF is up with this.. seems like every time I jack a car, my wanted level is immediately at 1*. Not too mention, all the praisers of the game talk of the realism. How is this for realism.. I get a wanted level so I tear ass down the road trying to get out of the 'cop circle'. I am not exaggerating when I say that my car looks like it is being piloted by a drunken blind man who is currently steering with feet. But somehow... I manage to escape the cops view and all of a sudden I am good to go. Unfortunately I couldn't look back at the cop, but if he could not keep up with me I can only imagine how bad he was driving.
Aside from these issues, the game seems fantastic. I am only 11% into the game so hopefully I will master the camera angle and driving skills. Time will tell - but I just wanted to say how much I agreed with you and I was a little disapointed from the first time I drove Roman's car and I ran into oncoming traffic. I became lodged against this car who wouldnt stop honking at me and I couldnt for the life of me figure out what the f**k reverse was. Needless to say, Roman was done talking by the time I pushed the car out my way and finally started off towards his "mansion".
GAME IS STILL COOL, CAN'T WAIT TO TRY THE MULTIPLAYER