Derrick just fought for the interim title and was TKOd after being shutout for three rounds there is no scenario where he fights for an interim title anytime soon. However, if Francis is stripped of the belt Derrick is an ideal candidate to fight for the undisputed title since he not only never lost to Francis Ngannou but has a win over him.
Jon Jones against Derick Lewis for the undisputed title is a lot more realistic than Stipe against Jones for the undisputed title. Stipe was knocked out by Francis Ngannou, while Derrick Lewis and Jon Jones both never lost to Francis Ngannou
Ciryl Gane is also still the number one contender, not Stipe, so if Stipe wants to get back in title contention the UFC is at the very least going to make him prove he has not lost a step. The man is nearly 40 years old. It also allows the UFC to match Gane up against a wrestler and gets him back in the title picture immediately if he wins.
I don't see the UFC doing another interim title. If Ngannou has not reached a new deal by April/May they are going to strip him of the belt. The title is not a birthright if you are not signed with the company you are not eligible to be champion its as simple as that.