I believe that if we would carefully apply the distinction between transparency and opacity to the different layers of the human self-model, looking at self-consciousness in a much more careful and fine-grained manner, then we might also arrive at a new answer to your original question: What a "first-person perspective" really is.
Thomas MetzingerSpeaking as a phenomenologist, it seems to me that a considerable portion of mind wandering actually is "mental avoidance behaviour", an attempt to cope with adverse internal stimuli or to protect oneself from a deeper processing of information that threatens self-esteem.
Thomas MetzingerThe Ego is a transparent mental image: You, the physical person as a whole, look right through it. You do not see it. But you see with it.
Thomas Metzinger