i shall yet make thee a believer: i am the slowest chap out there but have been racing online for over twelve years now, first in Live For Speed where the atmosphere online was usually relaxed and people did not bitch too much if you accidentally whacked them, then league racing here at rd from the day it was started and these last seven years at iRacing. best money i ever spent on racing games. as i said above: in the populated series even slow guys will find a grid of like-minded and equally sparsely talented competitors and about 85% of the races i cannot complain about rude or stupid behaviour.
try out a one or three month trial period and see how you like it. for me, playing against ai has become so sterile compared to racing real life competitors that i only ever do it in rally games or if i fancy picking a car/track combo that iRacing cannot offer me, so about once a month in RRE.
oh, yes, and i never use a headset, so the bitching - if it ever occurs, can't remember an incident in 2018, for instance - is just on type chat, far less hurtful than a real voice.