If you have your monitor at the correct ergonomic height, the top of the monitor would be level, or slightly below the level of your eyes. Although perhaps that’s slightly out of date now we have huge screens, but still, the webcam clipped on top of the screen would only be slightly higher than your eyes.
If you are getting your bald patch/man cleavage in shot, the screen must be waaayy too high!
I also have my main monitor directly in front and the other to one side to avoid your neck feeling like you are watching a tennis match, so you are naturally looking at the camera as long as you have Teams etc on the main screen.