A lot of simracer consider this as the "perfect" FOV.
I think you are blending 2 different notions. Ther are :
-"what you are focused on" => usually, the road
-"what you can see" => speed feeling, immersion purpose...
When I'm on a track, I don't see the headliner because I'm really focused on what's happening in front of me but it does not mean that this headliner are is not in my FOV...
When you play on a triple screen like this one(3x43") and you are focused on the road, you don't see that headliner except if you stop focusing on the road like in real life. I don't know what is your screen right now but if you look this video on a triple 43" you will realize that the "road/track area" is big enough to attract your attention. So you don't really "see" the interior of the car...
Perhaps the nascar wasn't a good example, this one is really great :