Mine are just car_oval (For the bl carpark layouts, locked diff, lots of camber on passenger side as i only need to turn right, lower tyre pressures, really short gear ratios etc..)
car_persons name oval (If im struggling for whatever reason some of the faster guys have kindly sent their set to me, usually better than my setups.)
car_fig 8 (for the figure 8 layouts that are sometimes used in the bangers, so i need to have both front wheels cambered the same and the tyre pressures the same on both sides of the car so i can go left as well as right.)
car_joke (when someone has sent me a 'good' set, when in fact its a joke one which causes my car to tip over every time i steer.)
car_offroad (Massive ground clearance, locked diff, shortest possible gear ratios, knobbly tyres, for the <OM> server.)
Other ones are just car_track, so something like XFG_blackwood, XRT_fernbay, etc..
I don't really do that much on the proper tracks as im on the banger server layouts alot of the time so they are the main setups i really worry about. Plus doing the bangers so much on LFS, i have been known to occasionally have a concentration lapse on a proper race server and have found myself lining up a car in front for a fine hit, until i remember all of a sudden, oh shi... this isnt bangers, Locking up/swerving to avoid aforementioned car and going in the gravel or a wall!
Luckily i havent actually hit anyone like that yet, so i tend to stay off the race servers just in case.