To arrive at my personal opinion about stabilization, I did a series of test shots.
I have two lenses with OIS, the 18-55mm and 10-24mm in Fujifilm. I also have the Sony 10-18mm with OSS stabilization.
Start with 1/60th, 1/30th, 1/15th, 1/8th, 1/4th, 1/2, 1 sec.
All the time, take shots with and without OIS/OSS.
Zoom in to see the micro sharpness. I find I can get sharp shots often around 1/8th, even 1/4 and 1/2.
If the loss of micro-sharpness does not bother you, then, for you, OIS/IBIS is not important.
For photographers like myself, with static subject matter, the stabilization is important because it allows me to use minimum ISO with minimum grain. It is good for landscapes and static shots. For instance, if I am hand-holding a landscape shot (where I don't have a tripod), the OIS lets me shoot down to 1/8th with confidence, even just before sundown.
It can also be good with portraits where the person is very still, like a static shot.
It is not good for action shots.