Did you use the checklists I linked to??
The trial by dirt/test track bug will not prevent 100% if you have both times showing in your stats (which you do).
There is also a 100% game inspector code tool-- will tell you what you have left... it is located here....http://www.gtaforums.com/index.php?showtopic=397970
It is called Ancestral Recall and is located near the bottom of the first post in the above thread.
It will require you to replace 2 of your game files with the ones that have been modified.
When you do this.... backup the original files main.scm and american.gxt--- rename them by putting "original" in front of their current names... then substitute the ones that you download.
You can leave the american.gxt file in place-- your game will work fine with this one.
The ancestral.scm file will need to be renamed main.scm
When you load up your save file it will start scrolling what you have left to get 100%.
If you are uncomfortable doing this-- upload your save file and I will run the code tool on it....
Upload your save file here... http://gtasnp.com/
and then post the link that it gives you after you upload it...
Realize it may take me a day or so to have time to check it.