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.

Wow, you can actually jump in the Witcher, didn't know that o_O, thought double clicking made you roll. I play mainly in OTS and switch to high isometric when fighting multiple enemies or when I want a good look of my surroundings.