I think the in-body stabilization is a plus for anyone starting out: in-lens only gives the advantages with the pricey long glass anyway. (But if you really want in-lens for *that,* you can even have in-lens stabilized third party teles for Pentax,) The fact is, too, that those stabilized kit lenses aren't necessarily very good lenses to begin with, (Almost said no great shakes, nyuck nyuck) and it's a jump to the big stabilized zooms. Between kit lenses, Pentax is a better lens than the Canon, and you're not so stuck to it. (The Nikon seems similar: I've tried the Canon one via a sometime student: it's not *bad,* but not great, I think.)
A stabilized finder image would be really nice for tracking birdies with something long, but I'd also be a little concerned that it'd teach beginners some bad habits, cause it'd tend to absorb the feedback your eyes could be telling you about how steady you yourself are being.
The advantage of the in-lens SR is probably really in the more expensive and exotic glass where it's custom made for the lens cause it's *part* of the lens, and then it's a question, I suppose of *is the difference worth it in practice,* which judgment I'd leave to those who actually use that stuff and have tried both.
Being mostly a prime lens shooter, never mind on my budget, the choice generally isn't between 'In body or in lens,' but 'SR or none.'