Practically - you can commit it all after you're done and then tell it to tease apart the commit into multiple well documented logical steps.

"Ask the LLM" is a good enough solution to an absurd number of situations. Being open to questioning your approach - or even asking the LLM (with the right context) to question your approach has been valuable in my experience.

But from a more general POV, its something we'll have to spend the next decade figuring out. 'Agile'/scrum & friends is a sort of industry-wide standard approach, and all of that should be rethought - once a bit of the dust settles.

We're so early in the change that I haven't even seen anybody get it wrong, let alone right.