Continual learning that is gradient-free, local, online, and append-only is attractive for edge and streaming deployment, but its value is usually argued informally. We give a provable account on recurring-regime streams. Given segmentation, a warm-start library learner attains amortized recovery cost
O(KD/ε2+(R−K)\logK/Δ2) versus a memoryless re-estimator's
Θ(RD/ε2), an advantage
(R−K)Θ(D/ε2) growing with dimension
D and recurrence density. The mechanism is a decoupling: recognizing which of
K seen regimes is active costs
O(logK/Δ2), independent of
D, whereas estimating a regime costs
Θ(D/ε2). We prove this is tight: matching lower bounds give recognition
Θ(logK/Δ2) and a memoryless-class bound
Ω(RD/ε2), so each term is individually minimax-tight (the joint statement is conditional). The separation is born-immune (a memoryless learner's advantage is identically zero) and paradigm-level: it matches, and does not beat, a fair spawn-capable Bayesian baseline; the contribution is attaining this cost structure without end-to-end backprop and with zero forgetting by construction. A count-calibrated variant ties the baseline's leading constant up to a bounded, never-negative per-recurrence overshoot, hyperparameter-free and with no per-step transcendentals. We bound the scope: recognizable regimes are capped by simplex packing (walls
eΘ(D)); autonomous segmentation is impossible at the packing wall (no detector escapes the false-alarm/delay frontier as regimes overlap); the advantage vanishes under overlap. The dimension-dependent separation is corroborated on synthetic streams and real
k-mer genome distributions (memoryless cost
∝D1.04, recognition
D-independent); the one real sequential stream sits in the
D=1 near-null corner.