What it says is that Cloud services are limited to Gold users, because it's essentially multiplayer games that takes advantage of the cloud. Which makes me wonder, was there any word on how Forza 5 would work without XBOX Gold? They just disable the cloud services/features for gamers without Gold?
I'm not sure that a "drivatar" system actually requires cloud compute:
- a console measures a player's driving on a test track, analyses the driving and uploads the resulting "AI profile" to cloud storage.
- other players download that profile, use it, and upload the result.
- the original console downloads the owner's profile/results, updates the profile and re-uploads it.
I don't think there's any requirement for cloud compute for Forza, just cloud storage (and cloud storage is free).