So, after much hair pulling and options checking/uncheckimg I decided to try the default skin in-game (I still can't get my skin viewer to work which is maddening, but now Win7 Update is stuck in perpetuity checking for updates--UGH!). The same issues with my skin show up on the default.
Basically things that should be black while in sun shadows look gray, almost white (markings, tires, etc.).
Is this a setting issue on my end?