The problem is mitigated. Default overclock is set to None in current stable image, so nobody should have issues with this in the future.
Overclocking is an advanced subject and from now, a “personal decision”. We have explained quite detailed how to do it and revert it. Of course, the scheme you propose is very elegant and it could be implemented (or at less tried!), but it will take time and effort and IMHO we have highest priorities. At the end, the RPi5 works really nice without overclocking at all!!
The best,