It would be helpfull not to encrypt the setup files, to make it possible to edit them offline and have the Car and and Track in the name. Or like ACC ther you have in Dokuments. Acc map Setup map Car map Track map and setup file that you can name to what you whant Ex. Qval. Sonny 38c or Race Rain 20c. And when you ar at the setup meny you can se all the setups for that Car Track combo.
External editing of setup files would also be a wonderfull easy way of cheating by applying values outside of the aloowed norm. Just like in AC.
If Kunos never added verification at game side then that's their problem. If the values can be checked whether they are in a valid range and prevent from loading if something's wrong then I see no issues.