I just remembered a video RobFisher posted in the DDF some time back: OMSI bus simulator. If you can get past the fact you're looking at a game that simulates a double-decker bus, it has some really interesting touches. Of particular relevance to this thread is the use of third-person view in specific hand-placed locations (e.g. bus stops) to give that sense of context without taking you out of the moment while driving.
Better visibility in that bus than the sidewinder or cobra !!! (even if you do feel out of body experience whilst driving - not 3rd person quite)