Simple can’t concave so making any kind of undulating terrain or anything more complex than a ramp / step is a no-no. If the course is flat as a pancake and has sharp angles only then maaaybe, you’d still get pretty unremarkable collision at the edges.
You wouldn’t even be able to make a hole. And were you to cobble loop de loop out of spline mesh components, you’d immediately see what that does to simple collision… It does not work at all.
simple collision would be more consistent than complex which would act very weirdly maybe 4 out of 100 times
You wouldn’t make a game using standard collision settings, there’s a lot to massage, especially now with Chaos which to many feels like a step backwards because of the defaults.
In short: agree to disagree here