For a 55mm lens VR does not help so much. The rule of thumb is that you can hand hold a shoot (without VR) with a shutter speed no slower than 1/(focal length) So ask your self if you plan to hand hold the camera with the shutter slower then 1/60th. Likely not as subject motion blur becomes an issue and mostly you wil be shooting wider than 55mm so yo can hand hold with even slower shutter sheeds without VR.
Except that on a cropped body you have to multiply, assuming that you're going to be that much farther away from your subject. So on a 55mm lens, you really ought to be at about 1/80 as a rule of thumb. It really depends on how far you are from the subject.
If you're shooting handheld in large indoor spaces like cathedrals or palaces (as many tourists do), you won't care about how fast things are moving...the architectural details and frescoed ceilings aren't going anywhere. Likewise with objects in museums. In these cases, it's not uncommon to want to be using exposures as long as 1/4, in which case VR is essential.
For shooting moving people, then VR makes no difference. In this case you'll want a fast lens (wide aperture) not only because it can arrest subject movement, but also because it can provide you with a nice subject/background separation (blurry backgrounds).