While I disagree with one or two of the statements in that piece by Stern - I most certainly do know victims who stayed silent "out of respect" for the person who assaulted them - I tend to agree with him overall that this isn't the most credible claim I've heard or seen.
I'm absolutely certain Biden was overly familiar with women, and has made them feel harassed or put upon - paternalistic, holding hands, petting, stroking hair, what-have-you. Which I'm not saying is great behavior! The time to come out with a sexual assault charge was last year, when there were numerous reports of his misconduct, though, not another year later when your first report didn't matter enough so you feel like upping the ante.
As a victim of sexual abuse myself, I can attest lively to the fact that, while some people seem to believe all such moments/acts are "forever burned into your brain" exactly as they happen, this is absolutely not true - while I'm certain of some things and some actions, there are some others where my own memories conflict - I have clear memories of something happening, and clear memories they didn't. Left to fester unresolved in your head, abuse memories can get worse over time. By which I do not mean she's necessarily just wildly fantasizing. Or being truthful. Or not. We'll see if there are suddenly other people coming forward, but in this cas, I'm more or less inclined to give him, more than her, the benefit of the doubt. Which may be toxic masculinity from my side, too. I dunno. It's hard to say anything about such cases without coming off as either dismissive or politically interested or whatever.