All (action)games I know of don’t have real and proper surface collision detection, except some physics games. Just an example: If my Char hits something or someone the weapon goes straight through without any physical reaction, it just counts the damage I’ve done. Are there any games out there, in which physics are calculated correctly and taken into visual account?!
There are high-polish VR shooters, like Half-Life Alyx, Boneworks, and Vertigo 2, which obviously care about where your hands and other body parts are. Boneworks attempts melee combat, but it’s pretty janky. In Half-Life Alyx, you use your hands to rummage around junk to find resources. In Vertigo 2, if you get hit by arrows or thrown spears, you have to pull them out of your body, and there’s a section where you steer a boat.