I have enjoyed the diverse perspectives this topic brought forth. I may retain a few of you to hide some coal for me and turn it into diamonds.
Just to close the loop from my end, my learner pilot -- who does not hold an IR -- impressed me by being more current and competent than most of the IR pilots I have flown and done IPC work with recently. He diligently copied, read back, and flew a clearance out of the SF Bay up into Oregon IMC, and since he was new to PNW winters, we got to discuss the icing we would possibly (and ultimately, did) find ourselves in. Then, as previously briefed and planned, he asked ATC for an altitude change early and when he noticed his 5kt airspeed degradation and ice slowly forming on our leading edges -- then he hand-flew a tidy RNAV approach with a 20G42 crosswind at our destination.
...we ate lunch, contemplated a successful XC flight, and then did it all again in reverse.
I felt like the learner pilot -- as instructor. Because I had made incorrect assumptions about what we'd be doing with his insurance-mandated IR training requirements. I thought I'd be teaching how to not instantly graveyard spiral upon putting foggles on. I should be signing him off for a checkride instead.
He is quite far from needing the "learner pilot" crutch. Some of the 1500 hour guys I've flown with lately, however, would do well to have it on standby.