I share the opinion that they're names for holes, not entities; but I'm not qualified to defend that opinion.
And, in order to understand a something, do we always need that something to interact with EM radiation?
Dark energy, in particular, can't be a kind of "stuff".
We could "understand" something that doesn't interact with EM; but we'd have trouble observing it.
If modified Newtonian (MOND) theories won out, the theory would explain this observation by saying that there was no matter there to begin with. If neutrino theories won out, the theory would explain this observation by saying that dark matter is electromagnetically neutral. But those are two entirely different theories, trying to explain the same observations, and trying to fill the hole in our currently accepted models in different ways.
EDIT: Per a child comment, you might mean "theory" as "idea", as in "the [idea] is that it doesn’t react electromagnetically with other matter." In which case, yes!
I usually agree with your understanding of dark matter/dark energy as placeholders for missing knowledge.
There's definitely lots of evidence for dark matter, yes~!
Dark matter has lots of reasons to be assumed but a common one is that when we try to explain the gravitational effects of galaxies based on a quantification of observable matter, there is a huge shortfall. That creates a space for something with a gravitational effect that is unobservable otherwise.
That many of the objects of our physics are theory laden is true, but that they are therefore “unreal” or merely an artefact of theory does not necessarily follow.