I think this heavily depends on what scenario you are considering
in LISP 1 doesn't matter, since both identifiers and locators are
routable
So, if you do have an alternative locator for the identifier, then
tunnel, else, forward directly
similar in LISP 1.5
In LISP 2 and 3 the issue you are considering needs to be considered
imho
probably it will induce additional latency, since you probably want
to check if the dest address is an identifier.
in LISP 3 it depends wheter you are using the push or pull model
if you have all the identifier to locator database available, then
you can check on it to verify if the destination is a identifier and
which are the locators
if you don't have it, well, then you need to make a query and find
out, which will take additional delay