Could a regex be used upon upload to detect names such as IMG-41564546546.jpg or DSC_1025.jpg -- if these are detected, do not auto-fill the title field but require the user to supply a photo title?
Then that could be combined with this to remove file extensions, so if users upload media with descriptive file names, those file names are kept but if users upload out-of-camera file names, they must supply a title for the media.