No. I don’t want the author to make that decision for me. I’d rather git record everything and then I can choose how to view or render it.

Different people have different view preferences.

Ok but why not both checked in and user settings with the user overriding the repo?

That on its own is a security risk, as it would introduce means to hide a commit in the commit itself.

At least with the . file you have to make 2 separate transactions.

No it wouldn't. You would still be able to see the commit in logs and file histories and if you ran blame without the skipping option.

I would guess quit a few malware authors would also love such a feature.