As a philosopher, you define constraints for any good theory explaining what you are interested in, then you go out and search for help in other disciplines.

As modern-day neuroscience tells us, we are never in touch with the present, because neural information-processing itself takes time. Signals take time to travel from your sensory organs along the multiple neuronal pathways in your body to your brain, and they take time to be processed and transformed into objects, scenes, and complex situations. So, strictly speaking, what you are experiencing as the present moment is actually the past.

Speaking 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.

Consciousness is phenomenologically subjective whenever there is a stable, consciously experienced first-person perspective.

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.

Retribution is really a stone age concept.

The 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.