Modality Relevance is not Modality Utility: Post-hoc Selective Modality Escalation for Cost-Aware Multimodal RAG

Multimodal retrieval-augmented generation (RAG) grounds a generator in evidence drawn from heterogeneous modalities -- text, tables, and images. The dominant deployment choice is binary and made before the model has tried to answer: either run a cheap text(+table) pipeline, or pay for an expensive vision-language model (VLM) over every image. Recent adaptive systems improve on this by selecting the modality or fidelity pre-retrieval, from a question-conditioned predictor of which modality will be needed. We show that this is the wrong decision point. Through an oracle headroom analysis on MultiModalQA, we find that the relevance of a modality to a question is a weak predictor of whether that modality is actually needed to answer correctly: a large fraction of questions whose gold support includes an image are nonetheless answerable from text and tables alone, and a pre-retrieval router that escalates on apparent visual relevance over-escalates substantially relative to an oracle. We propose post-hoc selective modality escalation: answer cheaply from text and tables, run a verifier on the (query, draft answer, evidence) tuple that localizes which modality is missing, and pay for VLM evidence only there. A calibrated value-of-escalation router then decides whether the expected accuracy gain justifies the visual cost. On MultiModalQA, our router recovers the accuracy of an always-on VLM pipeline while issuing far fewer visual calls, and closes most of the gap to the oracle escalation rate. The result extends a routing-signal hierarchy established for retrieval depth and reasoning hops to a third axis -- modality -- under a single cost-aware selective-escalation view.