sometimes the camera is too close and zooming out warps the image
Nope. Nothing. The only way to get a proper FoV is to have your eyes 20cm from the monitor at this stage.
Probably obvious but have you tried zoom? I hate the stretched view also but I use my wheel on the mouse to zoom the view in. Also do the same in drone view.
If you zoom enough to get a decent FOV (non distorted view) your airplane ends taking up half the screen, blocking the scenery. Hate the external camera too