The original file names of quite a number of skins have been lost in the process. Some authors chose to upload their skins to imagebucket, fileshack, etc which rename the skins (unfortunately).
The colour settings (skin, rims, body) are stored in a .col file.
You've probably noticed the list of colours to the left in the garage. Every single setting (except the swatches on top) is actually a .col file. If there is a .col file with the same name as one of your AIs, LFS will automatically assign that .col file to that particlar AI.
If I hadn't included the .col files, you'd have to manually assign the skins to the AI cars.
Since the matter of driving the wrong way seems to be on topic at the moment; I'd like to point out that it has always been possible driving the wrong way once you've finished the race.
Vicc, if you're reading this ... Would you please be so kind to add an alt="" tag for the flag images? It's very cumbersome having to right click on the image and select properties just to see where someone's from.
The money you put into buying S2 will not be wasted regardless of when S3 is released. S3 will most likely be £36. If you've spent £24 on S2 you will only need to add another £12 to purchase an S3 licence.