cd foo/<tab>
  # oh, too many options
  <ret>
  ls -la
  cd bar/baz
  git status
  cat quux | grep xckd
  cat quux | grep -i xckd
  cat quux | grep -i xkcd
  cat quux | grep -i xkcd | xargs ...

The trial-and-error command refining is arguably what REPLs are for. It's the filesystem navigation that are the odd part.

(INB4: don't give me the "useless use of cat", it factors out better like this and everyone does it anyway.)