Which settings needs to be lowered for less obstacles? in most wanted?

That's not true to get 100% Career Completion (gets tracked by the game itself!) You only need to to do all race Events and enough milestones to advance to the next Blacklist Driver. If you also want to include all the Milestones and rap sheet it should be more like a "100%+" Category).

once again for 100% Carrer: all Race events

100%+: all race Events and Milestones, all #1 rankings in the rap sheet and challengemodes