RGB-infrared detectors typically discard the statistics generated during cross-modal fusion, leaving downstream modules unaware of whether the current interaction is reliable. We propose to extract a parameter-free, 7-dimensional spectral reliability descriptor -- summarizing band energy, amplitude ratio, phase consistency, and cross-modal correlation -- and to reuse it beyond the fusion stage. The descriptor drives both Spectral Reliability Fusion (SRF), which gates a spectral residual against a conservative spatial base, and Reliability-Conditioned Expert Routing (RCER), which combines the descriptor with pooled content to steer sparse post-fusion experts. Under matched ablations, descriptor-aware gating improves mAP50 over content-only adaptive gating; a $2{\times}2$ factorial analysis further shows that descriptor-conditioned routing provides the larger marginal gain over expert architecture alone at near-equal parameter count. Under six synthetic degradations on DroneVehicle, average retention rises to 95.0%, versus 92.0% for content-only MoE and 87.9% for concatenation, with the largest gain under modality drop; the same model also improves mAP50 by +5.2/+5.3 on the natural day/night split. These results suggest that preserving fusion-time reliability as an explicit signal benefits both adaptive fusion and post-fusion conditional computation.