You are right...cockpit framing is not that much of a problem in real life.
Other than the size of the structure, one other thing has always bugged me about the way sim developers design the forward view...and that is the ratio of instrument panel to "sky" that is presented in the typical "F1" view. More often than not, this ratio is about 50/50...and when it comes to what is "seen" in RL, is about 100% wrong!
When I looked OUT of the cockpit in a fighter, that's what I wanted to see...the outside, not the instruments. If I needed to look inside for some reason, it took a conscious eye shift and refocus to do that. And in the airliner that I now fly, the same thing is true.This is not modeled at all in our sims...everything is presented at once and at the same focus.
It is true that seat position has an impact on this. In some fighters, the pilot sits lower than others and is therefore provided with less of an "all around" view. My experience in the F-104 and A-10 is a perfect example of this. The overall forward view in the Hog was much better than the 104...but in both, when I wanted to look forward thru the HUD/combining glass, I did not "see" instruments.
I wish developers would model this a bit better. The forward view should have two parts...an "upper" and a "lower", with the focus being forward airspace in one and the gauges in the other. I realize we can do this by changing views at present or by using the mouse to pan around, but this is not the point.
Instead, your "point" is the point! An "upper" view that is relatively free of instrumentation and cockpit framing is much more representative of what the RL pilot sees.
Andy