Correct, sadly an interior model file of MDL format will crash the game as soon as you enter VR mode.
It seems like an arbitrary decision on Asobo's part, because exterior mdl files render just fine in VR. In fact, I've been told that if you remove the interior model from the model.cfg you can use the aircraft in VR, but you will be stuck with whatever cockpit is included in the external model - usually a low-res panel with no gauges.
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