You're right, you're 100% right. I get the impression you're trying to argue against me by mimicking what I said, but you're somehow not doing a very good job of it.
I usually have it zoomed all the way out in combat because I'm not bad and usually keep an eye on the entire area (no matter what role I'm playing), not my character's ass. And when not in combat, I'm usually looking at where I'm going. Again, not at my character's ass, because then I wouldn't see where to go.
Playing zoomed in all the way the entire time will undoubtedly get you in some amount of trouble, you may want to reconsider that.