Here are some thoughts on testing, this example is probably too simple and doesn't fully articulate the issue, but hopefully you get the idea. Something to discuss.
let(:car) { F(:car) }
let(:fast_car) { F(:car, fast: true) }
let(:red_car) { F(:car, color: :red) }
let(:red_fast_car) { F(:car, fast: true, color: :red) }