It really depends on what is going on in the image, and the exposure settings.

If you are exposing something with relatively low motion, or no motion, these days there really is no difference. But if there is moderate to high motion, than you will see errors start to pop up in the stitched image, especially if the things in motion are moving across stitch edges. If the camera has a built in super-resolution mode where it uses IBIS to shift the sensor, those errors can be even more pronounced and harder to fix in post. Then on top of that, if you need to do longer exposures because the scene is dark, that makes things like motion blurs even harder to deal with because they usually don't look good, or the blur might just suddenly stop, when crossing stitch edges.

So being able to take a single monolithic image will fix most of these issues from the get go.