I suppose it depends on how far you trust your ability to keep everything in your head, and reload everything coming back, and follow through on notes to self. I make todos too, but I try to honor a self-agreement that they be short lived and ideally not make it very far beyond my machine.

I linked https://github.com/dspinellis/git-issue in another comment but it gives a sense of the command line experience. I've also at times hacked up various scripts to create or modify items in github/jira/our internal POS, it can make things more likely to hit the tracker than to be met with a shrug. (It's so odd how sensitive programmers can be to even minor blocks in flow like a few seconds waiting for a webpage, or avoiding refactoring a method / class because in Java a new method might best belong to a new class which to do things 'proper' often entails a new file and then another new file for unit tests, adding them to version control, and all that takes like 30 seconds even with IDE support and is annoying.) I've at times thought about a small vim command that would call one of those scripts to create a new issue pre-templated with the file and location I was on, create, then insert the work item id, but never got around to it. As a pre-commit hook something to look for TODOs explicitly might be interesting, though I generally dislike hooks.

I have somethink like this in the pre-commit script: https://pastebin.com/XmMHTvZR

It works only for gitlab and assumes that the remote is named origin.

This will create an issue with the title text being everything after TODO. It does not support multiline and only looks at the newly added lines, but does not remove from the commit or alters them.