I agree. For me, TODO-style comments are very useful for stuff I'm currently working on, as a short term aid. Usually I wouldn't be committing them, except for things like short-lived commits on a working branch that will be rebased out later.
For example, if I'm adding a substantial new feature and it will affect the code in a few different places, I'll often go through first and leave easily searchable markers at the exact locations where I expect to make changes. Then I can do a quick comparison between where I'd expect to need changes given the design and where I've found to make them to ensure they match up before I start changing anything, and then I can move quickly through all of the required changes without losing focus.
For example, if I'm adding a substantial new feature and it will affect the code in a few different places, I'll often go through first and leave easily searchable markers at the exact locations where I expect to make changes. Then I can do a quick comparison between where I'd expect to need changes given the design and where I've found to make them to ensure they match up before I start changing anything, and then I can move quickly through all of the required changes without losing focus.