Since the version 11:
Update of fuel prices.
Durations of loans divied per 10.
Loans more expensive.
You start the game with 16.000€.
Prices of selling of trucks on 50% of their initial prices.
Prices of the garages reduced of 30%.
With Realism V12, you have:
1) Available on-line purchase without buying a truck.
2) Improvement of the sound of the rain and of the thunder (thanks to American-Express).
3) Fee of hiring: 1 083€.
4) Increase of the number of kilometers in the capacities of long distance.
5) Correction of data on certain engines (thanks to MichelP).
6) Starting up of the game at 6 am in the morning with 16.000€.
7) Decrease of the duration of the hurry up music to 10 minutes.
8) Decrease of the number of XP gained during a stroll (10 XP every 100 kilometers).
9) Decrease of the number of XP gained during a mission (10 XP every 100 kilometers).
10) Decrease of the number of XP gained when you drive on an undiscoevred road (20 XP every 100 kilometers).
11) Decrease of the number of XP won during a putting alongside the quay.
12) Decrease of the number of XP lost for late.
13) Decrease of the maximal loan.
14) Duration of authorized overdraft crossed in 30 days.
15) Longer durations of refund.
16) Expenses of abandonment of a trailer reduced to 1 200€.
17) Expenses of the drivers are more realistic.
18) More realistic times of rises of sun and night.
19) Modification complete of system of points of experience.
20) Modification of a part of icons (thanks to James Le Bavard).
21) Modification of the sum of the loans.
22) Modification of the parameters of the camera.
23) Opacity of the night increased to 100%.
24) Loss of XP on a trailer decreased to 1 XP by % of damages and to 1 % by % of damages.
25) Loss of the money on a trailer decreased in 10€ by % of damages and in 1 % by % of damages.
26) Possibility of making loans without any mission made.
27) Prices of accessories decreased in 90% on average so they are more realistic (even those of ALL THE DLCs excluded Flags DLC which is realistic).
28) Price of the fines fixed according to the French regulations.
29) More realistic quick cargo prices.
30) More realistic cargo prices.
31) More realistic cargo prices in traction offer.
32) Prices of the garages reduced of 30%.
33) Realistic prices of the fuel in all the countries (15th April 2020).
34) Reduction of the consumption of the drivers in the kilometer, between 0,2 and 0,3 liters.
35) Reduction of the probability that a driver has no trailer to 0%.
36) Reduction of the maximal damages caused on a trailer by a driver to 1%.
37) Reduction of 20% of the price of the diesel oil in garages.
38) Reductions of the deadlines of delay (8 hours for the non-urgent deliveries, 4 hours for the normal and the 1 hour for the urgent against 2 days, 12 hours and 4 hours).
39) Occasions of trucks in 50% of their initial prices.
40) Interest rate of the loans reduced to 5%.
41) Exchange rate realistic (13th January 2020).
42) Time of rest modified (11 hours of break every 9 hours of driving).
43) Reduction of the price of the refueling by the tow truck.
PS: This mod contains more than 3.000 files!
Credits:
Ficfic & thanks to Hugo Coytte, James LeBavard, MichelP, American-Express, and Dk
Link: https://promods.net/sm_forward.html?lnk=/4mwmtmi3mvcr/Realism_V12.7z.html
However, I need to assign my skill points carefully, as €5/km (as shown in the OP screenshot) is still too high IMHO (so I need to stop at the right level in order to stick to near-real life prices per km). For now, used in conjunction with other realistic mods (better rain effects, no symbols, traffic tweaks, real signs, better building lights, real names, realistic headlights, etc.), the game is a real blast.
Also, I could edit each ferry price in the def Promods file, but it is a bit time consuming to find all the real prices for each ferry line...