Honestly I find these rationalizations around the use of SHA-1 annoying and counter-productive. The rule is simple: don't use SHA-1. If you already use SHA-1 migrate away from it. You know that plenty of software out there that interfaces with git expecting that the commit hash will be unique. Is it a security risk? Maybe, maybe not. I don't care to find out.
It doesn't matter until it starts mattering. If the Git devs had done the right thing over a decade ago we wouldn't be having this discussion. The longer they wait the more painful the migration will be.
SHA-2 was published in 2001, git was released in 2005 and now we're in 2021 and we're having this discussion again. The first concrete attack was released in "early 2005" according to wikipedia, so there's really no excuse.
Just do it, make a major change where you replace SHA-1 with SHA-256 and call it a day. It's going to be painful for a few months and then we'll move on.
For me these discussions demonstrate the immaturity of software engineering. In other industries regulators would've banned the use of SHA-1 and you couldn't get certified if you used it.
Do electronic engineers regularly try to argue "well ok RoHS says we can't have lead solder in this product but frankly for this one it's fine the casing is completely waterproof and there are no risks for the customer"? No, they don't. If the spec says no lead, then either it's no lead or you can't sell your product. End of story.
SHA-1 is the lead solder of software engineering. Only acceptable for military use.