If you make a commit "wip" or "before lunch" because you want a backup of your work or want to continue on a different computer, then it's not a meaningful unit either. It's OK to throw away.
Most people prefer less granular commits but not to the point of having 1 commit per issue/PR. For example after inheriting someone else's code written in a hurry and not tested, I often end up dividing my work into several commits - first there's a cleanup of all the things that need renaming for consistency, adding docs/tests, removing redundant/unused code, etc. sometimes this ends up being more commits as i reveal more tech debt. Then, when i am confident i actually understand code and it's up to my standards, I make the actual change. This can be again multiple commits. The first and second group are often mixed.
And it's important when it later turns out i broke something - i can focus on the commits that make functional changes as the issue is usually there and not in the cleanup commits which can be 10x larger.
BTW what git is really missing is a way to mark multiple commits as one unit of work so the granularity stays there but is hidden by default and can be expanded.