There are lots of things you might be able to do with your config, but you didn't post your mame.ini file.
But you also posted a software question in the Main Forum...time for Post Hell.
okay, not so much. I'll just move to Software.
And I think Hard Drivin' is a CPU hungry game, IIRC.
Was it really, only, a software question? I did post my specs and ask if I was under powered...
Anyway, I have MAME .99 at home...I'll give that a try and see what happens...I can try another OS, but that would have to be through a VM and I'm not sure what the performance would be like...I think the VM software would be using up more CPU power than would be acceptable...
Most of the background stuff was shutdown...it's a clean image, without a lot of applications installed...