Disclaimer: I’m not a pilot in real life.

In MS Flight Simulator so far, I noticed that I quickly developed a habit of flying almost 100% from instruments even when there’s great visibility outside. I don’t know if that’s because of what you describe here, or because it’s difficult for me to manipulate the camera and fly the plane at the same time, or because this is actually just the best way to fly a plane. Either way, it’s worked pretty well for someone like me who had no flying experience. I’m also terrible at racing sims for what it’s worth.