in your skins folder there are the default skins but they are only 512 x 512 if you have photoshop you can use the master skinnerz skin kits available here http://www.lfs-gear.com/kitz.html
The thing is... people get more nervous playing live for speed than on roads because on live for speed you are driving at your limit and if you go slightly over it you are going to take somebody out and ruin their race, in real life you are driving way below your limit and there is very little chance you are going to crash ( although accidents do still happen)
so it is very unlikely you will get people as nervous on real roads
i was so lucky when i first went ice skating, i had been skiing, snowboarding, rollerblading/skating for years before i went. took a while to get used to it but when i did i found i quite easy really