This is what people always thinking first, what is their maximum fps in game.. While only thing which really matters is actually the absolute lowest fps. Think this, you say you get 200 fps.. That is the max what you get, but in real your fps jumps between 40-200 depending what happens on your screen.
What happens there is your driving environment is changing constantly. The best possible point is when your fps stays always same, no matter do you have 40 cars on your screen nor driving alone.
If your monitor can show 60Hz, 75Hz or 100Hz.. You just don't simply need the higher fps. My screen (LCD television) can't show more than 60Hz and I have vsync enabled + fps limited to 60. And pc has enough raw power to keep it there no matter what happens on screen. That's how, no matter what I do on track, I always have same driving environment.
And yes, it does make difference if your fps jumps between 30-500 vs stable 60 fps