Then Nader has to go up against Bush and it all comes down to who the Gore voters put as their second choice. It may only take a small percentage of them putting Bush second for Bush to win. https://youtu.be/JtKAScORevQ
Was this election spoiled? By Nader or by Gore? You can argue the semantics of what "spoiler" means, but to me it's clear that IRV doesn't handle this situation well.
It is safe to vote for a third-party only if they can't win. When three-way elections get close, you have to be more careful.