Avoid it. The risk of suspension is real. Playground Games regularly sweeps for accounts that unlocked the "Oreo Edition Pagani" or "Controller Exclusive Cars" without actually owning the hardware. You will lose your online leaderboards and Convoy features.
C:\Program Files (x86)\Steam\userdata\[YourUserID]\1551360\remote forza horizon 5 save game all cars unlocked updated
C:\Users\[YourUserName]\AppData\Local\Packages\Microsoft.624F8B84B80_8wekyb3d8bbwe\SystemAppData\wgs Avoid it