Er...the only ones that would even work, at all, "like it is on your eyes" are the blurring and blindness. Mud, snow, raindrops, dirt, water from swimming- they all work the same: they're too close to focus on, and if they're on your eyes result in blurring and/or blindness.
This. And about third person: There are no cameras in Tamriel, so all kinds of camera-related effects wouldn't make sense.