I set something similar up in a project and it's been surprisingly good. In my case I ignored all top-level except for specific files and dirs such as Dockerfile, src or tests. Juniors rarely (never?) need to add new files or dirs at top-level, and seniors tend to (always?) realise they need to explicitly stage that new dir/file. Other prejects that have the usual exhaustive .gitignore generating from mixing and matching multiple templates ended up with random .claude or .zed once people started using new tools that weren't around when the initial gitignore was created