a) terminology: it’s one less concept to have to wrap your head around; and
b) a draft commit would also have a draft commit message, and (though I’m admittedly not sure about how well this part would work), draft parents (probably supporting refs rather than just commits as parents) so you can have multiple of them and shuffle them around conveniently. (This also sort of subsumes the stash as well.)
I made a preliminary stab at this a while back, though it has some awkwardness and I haven’t had a chance to revisit it recently: https://github.com/wolfgang42/git-draft/