the mod system has only been launched a few months ago, within a framework nobody was familiar with. the fact that we even have a handful of actually good well-rounded mods is surprising.
nobody's forcing you to drive the low quality mods, but everyone has to start somewhere.
i too started experimenting in the editor by messing around with the fxo, then i tried some low-poly low-hp car to get more familiar with how to import a 3rd-party mesh, and then i allowed myself to actually get on a more serious project.
low-quality mods are inevitable, but without those low-quality mods we would never get proper high quality mods; you have some very high standards for no reason. until we'll get some mods on your expectation level, nobody's stopping you from driving the same cars you've been driving for 20 years arleady.
and quick note, of course xfg feels much more comfortable to drive than the swift, you've driven it for years at hand.