Well, any time you point the rotor away from the direction of the wind, you collect a bit less power from it.
In a manner of speaking, you are just reducing the "efficiency", the more you tilt away from the tower.
Nothing about tilting the rotor up will make it more efficient, so none of the people you are talking to are giving you the straight story.
When the windmill is collecting power, there is a thrust load that bends the blades back, toward the tower. Then, in a wind gust, the rotor yaws around into the changing wind direction. The gyroscopic forces also bend the blades, and at times that can be directed toward the tower, too. Add the two displacements, plus a safety margin, and you get a measure of how far the blades must be from the tower to not hit it.
If mounting the mill horizontally puts the blades in the danger zone, then it must be tilted. Or shifted forward. The "most efficient" angle is the one that gets the blade tip out of the danger zone.
By the way, tilting a rotor disk 7 degrees out of the wind direction reduces the power it can collect by 0.75%. No big deal.