The immersed boundary (IB) method is a non-body conforming approach to fluid-structure interaction (FSI) that uses an Eulerian description of the momentum, viscosity, and incompressibility of a coupled fluid-structure system and a Lagrangian description of the deformations, stresses, and resultant forces of the immersed structure. Integral transforms with Dirac delta function kernels couple the Eulerian and Lagrangian variables, and in practice, discretizations of these integral transforms use regularized delta function kernels. Many different kernel functions have been proposed, but prior numerical work investigating the impact of the choice of kernel function on the accuracy of the methodology has often been limited to simplified test cases or Stokes flow conditions that may not reflect the method's performance in applications, particularly at intermediate-to-high Reynolds numbers, or under different loading conditions. This work systematically studies the effect of the choice of regularized delta function in several fluid-structure interaction benchmark tests using the immersed finite element/difference (IFED) method, which is an extension of the IB method that uses a finite element structural discretization combined with a Cartesian grid finite difference method for the incompressible Navier-Stokes equations. Whereas the conventional IB method spreads forces from the nodes of the structural mesh and interpolates velocities to those nodes, the IFED formulation evaluates the regularized delta function on a collection of interaction points that can be chosen to be denser than the nodes of the Lagrangian mesh. This opens the possibility of using structural discretizations with wide node spacings that would produce gaps in the Eulerian force in nodally coupled schemes (e.g., if the node spacing is comparable to or broader than the support of the regularized delta function). Earlier work with this methodology suggested that such coarse structural meshes can yield improved accuracy for shear-dominated cases and, further, found that accuracy improves when the structural mesh spacing is increased. However, these results were limited to simple test cases that did not include substantial pressure loading on the structure. This study investigates the effect of varying the relative mesh widths of the Lagrangian and Eulerian discretizations in a broader range of tests. Our results indicate that kernels satisfying a commonly imposed even–odd condition require higher resolution to achieve similar accuracy as kernels that do not satisfy this condition. We also find that narrower kernels are more robust, in the sense that they yield results that are less sensitive to relative changes in the Eulerian and Lagrangian mesh spacings, and that structural meshes that are substantially coarser than the Cartesian grid can yield high accuracy for shear-dominated cases but not for cases with large normal forces. We verify our results in a large-scale FSI model of a bovine pericardial bioprosthetic heart valve in a pulse duplicator.