I remember Flight Unlimited. Besides what you mention I remember it having very impressive world graphics for its time.

What you are looking for seems fairly niche to me especially on console, the only game that comes to mind is Star Wars Squadrons.

On PC I'm sure the story is a bit different (but not being much of a gamer these days I may not be the best person to ask). It may be worth checking out MicroProse games. This is the legendary publisher of old, with the brand being passed on through various mergers and acquisitions and the current stewards do a remarkable job and publish quality titles. Tiny Combat Arena may be worth checking out as it fits your description somewhat (if you can get past its stylised graphics).