Didn't Top Gear Overdrive (1998) use MP3 tracks? It had several tracks by Grindstone that would play during races. The audio quality isn't that great but lyrics are mostly comprehendible.

Wipeout 64 had some music by Fluke and Propellerheads but I'm pretty sure it used some tracker format to re-create the tracks from short recordings and honestly, they sound awful, not just because the audio quality but because the repetitiveness and lack of progression.