You don't have the crosshair in 3rd person, but there are a few mods out there who fix that, haven't used any of them myself, but it seems quite akward to aim with a crosshair in 3rd person, like doesn't your character block the view?
I play combat in 1st person and when strolling around in towns and such, I use 3rd person view.
I know it is akward at first, but I prefer it that way now. I prefer akward over impossible.
I think there was some quest where you found a bow and had to shoot a bucket or something.
Even that was impossible in 3d person.
And well I prefer it if a game doesn't need mods to become better.
Imo the mods should be considered an extra and they should not be needed to fix flaws from the original game.
