How make an UI / game layout something like this?

Yes. I understand what you are saying. Yet, at the same time it would still be simple task as well to have the option.
At the moment, you can adjust the aspect ratio of the camera, and setting it to lower values will stop the rendering from the area outside camera view.
Set the aspect ratio from 1.777 to 2.35 and you will see framerate increase. Having the same setting to reduce horizontal length would also give a framerate increase.
You can currently also can put UI layouts on the black areas outside viewport rendering, doing exactly what I want without expensive cost.
Having an offset to the abovedone settings to set the position to whatever area on the screen would not be complicated… except for me, as it requires source coding :P.

Edit: as for the 99.99% part you said, I very strongly disagree. Thats an attitude that only makes 99.99% of all games 99.99% similar generic mass! And by giving UE4 first for 20$ and then for free, shows that Epic is not only interested in AAA markets, but wants their excellent engine to be used for all sorts of creations and creators.