Plea from a relatively new lover of MoI but a helpless non-coder

Am I the only person using MoI who would really like the orbiting pivot point at any given time to roughly match the working center of the viewed area? I just saw someone on another forum describe that location as the "point of interest." My trouble (and not just mine) happens constantly, when moving to an area that I wish to examine or work on and discovering when I try to orbit the thing in front of me, it flies off-screen because the pivot point is somewhere else for some reason. It feels as if the car keeps driving itself into a ditch, and I have to keep working it back onto the road. I can't think of any modeling situation where I wouldn't want the pivot point to be consistently somewhere in the viewport. Sketchup, Plasticity, 3DS Max, and a few others have exhibited the orbit mode that I'm after. In Blender, there is actually a checkbox in its settings to select automatic depth for orbit, whatever that means - I know that the cursor has no depth assignment unless there are objects to select, but whatever voodoo behavior they concocted feels intuitively spot-on.
At this time, I'm hoping for something that seems more rationally approachable. The cursor can be assigned all three coordinates to orbit as soon as it has something to hover over, right? Failing that, is it possible to simply orbit around any piece of object closest to the center of the viewport? I don't know a lick of coding, but it seems to me that any object (or part of one) in the 3d viewport, provides enough information, even without hovering over it. I know that doesn't solve the completely empty viewport issue, but I'm perfectly happy if that distant grid square that the cursor is sitting over gets selected as the pivot point. If I find myself gazing into empty space like that, I'll probably use a standard reset.
I don't know how any of this could be simulated - script + keystroke or something deeper, more laborious. But I thanks for any input!
Howard

Here's some chatter:
https://forums.autodesk.com/t5/revit-ideas/3d-orbit-around-the-mouse-by-default/idi-p/7856630
https://blender.stackexchange.com/questions/179289/how-do-i-rotate-my-viewport-around-the-position-of-my-cursor
https://blenderartists.org/t/orbit-around-mouse-cursor/1158420/2
https://discourse.mcneel.com/t/orbit-on-selected/98775