I have checked the new buildings (the 5 floor apartment blocks near Cherno and Balota). While I have not gone into ALL of them, I have checked a large amount. When I found loot most of it was clipping into the floor or tables. The only exception were the medkits, but then again they are large enough to stand out so it's possible all item spawns need to be offset in those buildings.

FOV should expand the view, but seems to simply move the camera further away (which in a sense does make the view wider). After this you get to see all sorts of weird stuff, like a canteen floating before you.

The zoom should not be a trade-off for setting a FOV that is comfortable to play.

I have also noted this in lockers. The few times I saw loot in lockers they were not at the bottom as expected, but floating mid air, just below eye level.