> In my usage, the story is for myself first and foremost.

But that's my point exactly. Unless you're exceptionally clear thinker, a story that's natural for you is not very good for anyone else. Your story is optimized for an audience of 1, developed interactively, and meant to help you in the now. The story for the team is meant to help them orient themselves after the fact. Turning one into the other is its own kind of work.

But then different people and teams have different ways of working. VC isn't the whole world. In some projects, I'd make "team story" commits directly, because I used a separate text file to note down my thoughts, and used that to keep me on track. So it's a different way of solving this problem.