A refactor and then a feature implemented on that refactor is tightly coupled by definition. It would not make sense to implement the feature and refactor independently, because you’d be wasting time implementing a feature that you would have to refactor again.

This is literally the point of stacked PRs. You implement the refactor in branch A, then branch B is created on top of that so you can implement your feature. Then you make separate PRs, one for merging branch A into main, and another for merging branch B into A. The GitHub feature just provides a nicer UX when interacting with such PRs by clearly showing dependency and allowing you to merge a stack together.