I have experienced both, and they are rather different. On the computer, I just get this sinking feeling in my stomach when falling, but there was no hesitation before jumping. In VR, my brain did not want me to step near the ledge at all. I had to probe the floor with my foot, make sure there actually is solid floor there in reality, and really will myself into moving there.

In the end, I ended up making a tiny tiny step and leaning forward enough that the game registered me as having jumped. The two experiences aren't even comparable. In one game where I was in a hot air balloon I even freaked out and panickedly searched for the button to exit the game.