How is “refactor” a useful commit title? It means something different every time someone uses it. Kind of weird to hector people about uninformative messages and then use a meaningless buzzword as your idea of an example message.
Most commits are associated with some task ID e.g. from TFS. Shouldn’t the commit message begin with that?
Suppose your commit has no other purpose than to change branches to do a hot fix? It’s not a repo commit. In those cases I just put a dot to shut up the empty-message scold. The dev lead, one of the most useless human beings ever born, had a cow over it.