I can't speak for FSOne but on RealFlight if you try to hover without using ailerons the plane will torque roll and as the plane goes from canopy in to belly in the elev/rudder controls reverse. Man that's gonna be tough for a newb to try and master. In real life the torque rolling is there and it's definitely present in RealFlight so from my point of view I think it would be best to try and hold enough aileron to counteract the torque and keep it canopy in.

If there is anything I can add it's that at one time I said I was too old and my eyesight/reflexes were too slow and I would never get it. My nephew kept nagging and I kept trying and finally one day I could hover on the sim indefinitely. I tried it on my EFlite Extra 260 foamy and sure enough I could hold it for as long as the battery stayed up. I'm now hovering the big 50cc Extra 260 in my avatar and touching the tail at will. A couple of years ago I was saying it would never happen so the moral is don't give up. Put in lot's of practice on the sim and you'll get it, I promise but it won't happen in a day or two, it takes hours and hours of dedicated practice.

Good luck with your hovering and happy flying.

P.S. As mentioned above, you have to use the right plane and set the CG far enough aft so that it flies hands off inverted as well as right side up. I started off using the YAK 54 3D in RealFlight.