For reference, 100% is just all 64 tracks in one go. It's a three-hour run - hope you're prepped if you're interested in doing it :D
As of recently, I've been rejecting a lot of individual level runs because of where they're placed. For the sake of clarification, I will explain here the difference between these two categories.
The purpose of the 100% category is to beat the game from start to finish without any initial upgrades or money. This is the purest form of gameplay, as upgrading your car from earned winnings is how the developers intended you to play the game. With individual levels, you have a few ways of approaching a proper, verifiable setup. The way I see it, you can choose three options:
-You can use a password that was earned from a previously completed 100% run.
-You can generate a password using the password generator in the resources tab.
-You can savestate on the level ticker to keep retrying a race for individual levels.
Finally, when uploading a run, post your upgrade path in the description. If you have more upgrades than you are supposed to on the level you are playing, your run will be immediately rejected. For instance, if you use the password glitch to get the best engine on a track that wouldn't allow you to buy the upgrade because you technically wouldn't be able to in the context of a 100% run (which would be any track in Australasia and Britain), your run would be rejected, since you couldn't possibly buy the $80,000 upgrade during the first two countries to begin with. Aside from cheats, the only thing that matters is clarification of your upgrades in an IL run.
I hope this clears up any confusion. If you have any questions, feel free to respond under this forum post, or contact me on the Top Gear Community Discord, which can be found in the Resources tab.
I'm guessing that with your new time of 10:20, the run starts upon hitting the start button after the first upgrade screen, and ends after crossing the finish line of San Francisco?