cup4sharks - Have you worked any on shooting technique to minimize the hand shake? I learned a very long time ago that deep breath-exhale-hold-SHOOT is a technique that worked well for me at photography, shooting firearms, shooting bow and arrow, bowling, and even hammering nails.
I just turned 66, and I can you with certainty I am not as steady as I once was, but I can still shoot 1/30 without OIS using this technique. My wife has the same issue as you - she has never been able to shoot a clear photo, and this is working for her now.
I don't have a Fuji body with IBIS, but I have three lenses with OIS, and the extra latitude for still shots is significant. I don't shoot video, so I can't comment on that.
