Wearable stress classifiers can achieve strong average performance while failing completely for a particular individual. On WESAD, a Random Forest reaches 93.0% mean accuracy yet yields F1 = 0 for Subject 14, whose cross-signal coupling weakens near stress onset. We call this structural ambiguity: individually plausible physiological channels form an inter-signal pattern that is poorly supported by the person's non-stress reference. We introduce the Individual Conformal Coupling Monitor (ICCM), a lightweight and transparent pre-inference monitor that quantifies subject-specific coupling divergence and routes each window to classify, defer, or abstain without retraining the downstream classifier. Across WESAD (N = 15) and Stress-Predict (N = 35), full-cohort Pearson associations between ambiguity and accuracy are negative (r = -0.607, p = 0.016; r = -0.412, p = 0.014). Robustness analyses temper this finding: rank correlations are not significant, and the WESAD association disappears when Subject 14 is removed. ICCM changes false-positive counts from 29 to 27 and 94 to 92, although neither paired change is significant. It withholds 3 of Subject 14's 21 stress windows but does not repair the missed-stress failure. These results position ICCM as an interpretable signal of unsupported physiology and individual failure, rather than a stand-alone safety guarantee.
We study when a wearable stress system should surface a prediction rather than change it. In low-stakes reflection and summary settings, aggregate accuracy is insufficient because withholding can reduce error while leaving some people with little or no information. We formulate fixed-label reliability routing: after a locked classifier emits a protocol-defined stress/non-stress label, a post-hoc gate surfaces that unchanged label or withholds it as unavailable. ReliaGate assembles established confidence, signal-quality/trust, agreement, train-standardized atypicality, and train-fitted geometry cues into a post-hoc correctness score. We evaluate four wearable datasets using subject-disjoint folds, validation-selected routing, paired held-out-subject intervals, and pooled and per-subject analyses. WESAD point estimates favored ReliaGate, UBFC-Phys primary coverage/risk intervals favored ReliaGate, and E4 checks were mixed. ReliaGate provides an operational framework for studying surfaced-label error, output availability, and accepted-output distribution across subjects, without revising labels or providing clinical or finite-sample risk guarantees.