How does it impact productivity?
If you think in terms of semver and changelog autogeneration, these questions have obvious answers. ofc there are also other benefits like improved communication with teammates and contributors (and the curious).
I've never worried about making the wrong choice. I've never spent more than 5 seconds choosing a commit category. It should just be a best-effort system, that adds a bit of Metadata, structure and clarity to commit messages. The many teams I've seen with "wip, wip, wip, fix, fixing class" commit messages in PRs surely isn't aiding code review.