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The Stock save comes with fully assembled, hand tuned and inspection passed Satsuma in your garage, nothing else. It is Monday and you only have 1500 MK to start your story.
The Upgraded save comes with fully assembled, hand tuned and inspection passed Satsuma that has GT configuration already installed. It also comes with 3.5 gear ratio which is lower than Fleetari can do. It is Friday, you have 5000 MK, fully stocked garage and uncles van parked outside to start your story.
The Rally save comes with stripped down, acceleration tuned Satsuma that has racing components already installed and is ready for Rally. It is Friday, you have 5000 MK, fully stocked garage and uncles van parked outside to start your story.
All versions have a varying degree of supplies in the house reflecting your wealth. No quests or jobs were started, saves are completely fresh except for uncles van.
To install drop the save files to AppData\LocalLow\Amistech\My Summer Car