Not sure I following your logic. A V ref (most of them) don't like low Z loads (things it connects to). Some V refs can supply near 20mA, which is substantial amount of load when in context of low power or V refs. Some V refs are rated in uA, because they expect to connect to high Z loads, just to be a voltage ref and not a power supply.No, a reference voltage is exactly that - a REFERENCE to be compared against. Impedance is a matter of "stiff" versus "weak" signal based on amount of current in the signal.
And I think I agree with your opamp description, but opamp output is typically less stable than a V ref IC even when the inputs of the opamp are pegged at set values.