The difference being that there are absolutely no better options. Everyone agrees the login form model is insufficient and that's why anyone who takes personal security seriously now introduces a lot of infrastructure around their logins.
But aside, it seems like not all networks support TLS logins?
As it stands, I have no IRC equivalent of a 2FA key. I present a plaintext token and hope that it's all handled properly and that I'm not a victim of a password reuse attack.
Any web based solution is light years ahead on this.