Yeah you have it right, I want to put chat/bars/minimap/etc above it in the white space (on my diagram) freed up at the top. Reason for wanting the third diagram and not rhe second is that if you look how much gap there is below your character in the WorldFrame which just shows close up ground, don't really need to see all of that (and hence Blizzard even cover some of it up in the default UI layout.
Anyway, I guess we've established it's impossible so I'll stick with the Viewport solution, it's perfectly playable. Just thought I'd check if this is possible since it would have been the prefered option
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Thanks to everyone who replied
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And yes, same Tunga who mods the UI forum on Worldofwar. Their UI forums have been down for a bit now so thought I'd come ask here plus this was a bit technical and you get more coders reading here I'd guess.