Handheld, no. NV and thermal, yes.
Night vision is better for clarity but when comparing say a Gen3 or Gen3+ NV to a good high quality 640HD, 60HZ or better Thermal, I am not so sure which wins on clarity, but I also cannot afford a set of GPNVG's either.
For my uses, I greatly prefer my thermal vs NV. While my NV set up has good throw with the IR and ability to recognize human sized objects out to 500 yds on its highest setting, the IR can be one of its downfalls especially when there is not enough ambient light. If you have open area out to those distances great, but if you have houses, cars, vegetation to work through / around, close up objects will reflect that IR signature and wash out, or black out everything behind it. I can dial down the IR, but then distance decreases. So lets say if you are scanning an area or a property from an ideal observational spot, near to far objects really make things difficult as you constantly need to adjust, NV has no day advantage unless if you have a digital set up like mine, but the addition of day use doesn't give as good of NV clarity as a tube unit. Trade offs. Another thing is that it is actually easier to blend into an environment when someone is tracking you with NV. Harder to pick up concealed people / objects with NV. So for pure target discovery or acquisition and NV isn't the best.
A good thermal has clarity near NV, plus all the advantages of inherent to thermal. Target or object ID after acquisition and NV is better, but knowing it is there to begin with is more important. For ID, you will easily know the difference between , a pig, a deer, a goat, a chicken, a mongoose or a rat or a human and even a human holding a gun are easily discernible and they can't hide from Thermal. There are ways of hiding from it, but doing the Arnold hiding his heat signature with mud trick isn't going to work.
If I could only have one for my current uses, it would be thermal. One good thing about a handheld unit is the ability to be free from say a weapon mounted unit. Lightweight, convenient and easy to use. Very hard to hide from thermal and most people or critters causing issues won't have thoughts about countermeasures.
Hybrid thermal NV units on the table are pretty darn slick and pretty darn expensive.