Why make this a behind-the-scene optimization instead of just introducing `new`? That would make things much more clear for everyone.
AIUI, that's why MaybeUninit<T> exists. But even if you address the issue of it being unsafe to assert that a MaybeUninit has been initialized (which &out references could in principle solve) there are real problems with this; for example, MaybeUninit<T> has no niches or free-for-use padding even when T does, so you can't just "project" MaybeUninit to individual fields except in special cases. My understanding is that C++ partial initialization has the exact same issues in principle, they just don't come up as often because the standard for code correctness is a lot less rigorous.