James, part of the challenge for any photographer, is to understand your own limits. In particular, at which shutter speeds can you shoot without incurring blur (and that varies also with the IS and focal length)? Since each of us is different, those numbers change for each person, but it is worth-while to test that (or if you have a scientific bent, you'll be calibrating your hand-held abilities). Once you know this, you'll be able to make better decisions on how to adjust for exposure. For example, I have a T1i which I usually use with the 24-105mm lens (same as yours). At 24mm, without IS, I can shoot down to about 1/30 sec. without blur. If I take special care to be perfectly still (breathing, bracing, handholding technique), I can get that down to about 1/15 sec. With IS enabled, I've been able to shoot at 1/4 sec. (again, using all the available techniques for stabilizing hand-held exposures). At the upper end of the scale (105mm), the best I've been able to do is about 1/30 sec. without blurring. So in general, I try to keep the shutter speed above 1/30 sec. and I am able to get decently sharp images.
However, I also like to shoot under rather marginal conditions, and almost always it's either a question of using the tripod (scenics, still life, nature closeups), or the flash (family, events). So you need to bring the right tools to the job given the limitations of your equipment and yourself.
Incidentally, in the earlier post that I made in this thread, every one of the points I've listed I had to deal with. I've had a filter cause a very good lens to be apparently sub-standard. I've had the camera back-focussing, and had that corrected by sending both the camera and lens to Canon for adjustment. I've had blurry photos until I learned how to use the correct focusing point for getting the AF right. And so on.