It does technically work without it, just don’tgo over A class, don’t do sprints and there was 1 normal circuit that’s a tad big in a forest bit

Forza Horizon 4 and 5 don’t say they require an SSD I think, but when I had it on my hard drive any cars that did over 250kph caused significant world loading issues, as in I’d fall out of the world because it didn’t load the map.

Depending on the quality you want to deal with, at least 3.