Is every "to hit" roll actually physically contacting a character in the game? Or are they whittling down their opponent's energy and luck and only the last few "hits" are actually drawing blood?
I think it's game-dependent. It kind of follows the "What are hit points?" questions, and whether there are multiple types of hp tracks, whether your hp pool grows significantly as you gain skill, and how quickly said hp come back all are important to consider.
Every now and then, whenever a character scores a "hit" on a target, or when their character gets "hit" by an opponent, I will ask the player to describe it for the table. I don't do this all the time, just every so often to get the players' input on the narrative. And not always in D&D either; we also play Pathfinder and Call of Cthulhu.
The players always describe a hit as physical contact. Always.