Without the 1.3x crop factor selected, you will be seeing the same field of view as you get from your D90. If you select the 1.3x crop, you are just selecting a smaller rectangular area from the sensor. It would be the same as taking on of your D90 images and masking off the outer portions of the image so you see rectangular area only 77% (1/1.3) of the original length and width centered within the original image.
Not that the field of view is equivalent of a 2x crop from a FX image.
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