I’ve managed to stumble up to 15 playing the early games. Many times I’m trashed and get my
car restored. Is there any penalty, point-wise for this?
You will not lose any experience etc. Everything you gain you will keep.
You do not lose anything unless it asks you to use a repair kit.
Then you will use a repair kit if you chose to do so.
In raids, you get 1 free in game repair after that you have to supply your own repair kit in order to return. (don’t, its not worth using repair kits in raids, just take the loss).
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Ah - thanks! Also good to know repair kits aren’t worth the price. 
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