Here are some pictures of a F1 race track which is situated in Australia. Everything is done in sketchup except the the 2D layout which is done in TurboCad and the hills were done in BLENDER. The top view of the track looks like a real photo, but the model just have high resolution textures.
I disabled the shadows, the thing could barely run with hard shadows. I still have to reduce the amount of polys. That is why I was struggling in RAD, I removed every building and all the barriers, but it still had an fps of 45. If it wasn't for such an fps drop imight have stayed at RAD.
The textures were from the F1 2010 game. They packed the textures into a special format they have this pssg tool that can unpack these textures.
I am using UNITY, if you have the ability to design 3D models or 2D art I see no reason why not and one could always learn. Note that I am making a game that is more of behind the scenes of F1 where you can manage and build your own cars in a large F1 factory and test the cars on the race track. You would be able to upgrade your stuff.