This leaves you with the option to disable the core.trustctime setting, which I believe has no noticeable performance drawback for most or maybe all Git users.
If you are sensitive about the performance, perhaps a third option would be to make an alias for affected commands, especially for rebase:
_rebase = "-c core.trustctime=false rebase"
Personally, I've never encountered this issue and I rebase frequently.
I don't know enough about git to say whether my suggested fix is equivalent to turning trustctime off by default.
This is only true if you have very little "content".
Hopefully one of the solutions pointed in the article will prevent any future issues with 'git rebase'.