In fact I hadn't compared my 15x56 handheld vs mounted recently, so I just did, and reconfirmed my impression that as nice as a tripod can be for more relaxed observation over a longer period of time, there's nothing I'm actually unable to see without it apart from reading small text at long distances. If birds all looked the same except for little printed species labels, I'd definitely need an IS binocular. But as things are, I don't seem to. You can talk about your average 40% resolution loss all day, but I don't see it.
I find that surprising. Because if you find putting your binoculars on a tripod helps you reading small text at a distance, I think it follows logically that it should also help you see fine plumage detail.
Of course there are some cases of very similar species in an area (which didn't appear during my test) where I can imagine that IS might help distinguish tiny crucial details. But then again, maybe not. It's not a problem that technology can ultimately solve due to natural variability, hybridization etc; even expert birders sometimes remain unsure of IDs.
I agree with the first part of your statement but not the second. Because even though seeing those tiny crucial details may not help you identify
every single bird (for whatever reason, hybridization for instance can
really make things difficult), it will help you get more IDs. If that's not that important to you, that's fine. I find it important, so I find IS useful, especially as putting a binocular on a tripod (or monopod) can be a nuisance because you often can't react quickly enough if e.g. a bird flies by.
So that's my story. I keep asking the birders who swear by IS to tell theirs, to share clear examples of how it's made such a difference for them, but oddly they never do.
It's very difficult to give clearcut examples, simply because when you see a bird, you see it with
one pair of binoculars. So if, for instance, I use a conventional pair, I'll never know if I would have got more details with an IS binocular. And if I see a bird with an IS binocular, I'll never know which details I would not have got with a conventional binoular. OK, I can switch binoculars, of course, and I've done that when I tried to find out how useful IS is for my style of birding. But it's an artificial situation in many ways.
Anyway, some real life situations where I find IS particularly helpful: A situation where an IS binocular makes IMO a clearcut difference is at migration sites. You often see a passerine for a few seconds, often only for a split second, before it once again disappears in a bush or in some long vegetation. And if it's a bird of one of the "difficult" groups (buntings, warbers or pipits in Europe, for instance), you need to see
very fine details to get the ID. That's actually more difficult than reading small text ...

And even if I don't get the ID, an IS binocular helps me decide if the bird looks interesting enough to call other birders to the site to search for it.
Another example if some raptor flying by. You often don't have the time to get the scope on it, so you need to get as much detail on the structure, any plumage patterns (if visible), on the way it flies and so on as quickly as possible. I find I get more detail on a flying raptor with an IS binocular.
Hermann