Text-based person retrieval under a sim-to-real gap (synthetic training data, a real-image gallery) is usually tackled with costly fine-tuned cross-encoders. We ask whether a frozen-encoder system can compete. We present SCOUT, which casts cross-modal retrieval as prediction in embedding space. A trainable predictor maps the patch tokens of a frozen video encoder into the embedding space of a frozen text encoder under a bidirectional InfoNCE objective, and no encoder is fine-tuned in the base model. The video encoder is V-JEPA, the text encoder is EmbeddingGemma, and the predictor is initialized from a Qwen3.5-0.8B decoder. We make three findings. First, the best frozen text encoder is simply the one whose geometry best matches the video features. A training-free alignment score ranks three candidate text encoders in the same order as their retrieval accuracy on our held-out split (Spearman
ρ=1.0); a fourth, LLM-based encoder shows the rule is metric-dependent, holding for a neighborhood-overlap score (
ρ=0.8) but not for a linear probe (
ρ=−0.2). Second, two precision-targeted levers, parameter-efficient ExPLoRA adaptation of the video encoder and a training-free attribute-decomposed reranker built on a vision-language model, improve the top-rank precision that otherwise limits the frozen system, adding 2.2 points of leaderboard R@1. Third, a local-versus-public calibration study explains which interventions transfer to the real domain. On AI City Challenge 2026 Track 4 the full retrieve-fuse-rerank system reaches 84.25 mAP@10 on the final leaderboard, while a single frozen model submitted alone reaches 60.63. Our trained components cost about 95 GPU-hours. CMP, the dataset authors' fine-tuned cross-encoder that trains for sixteen GPU-days, is one fusion member of the full system, not an alternative. Code and annotations: https://github.com/abtraore/SCOUT-ECCV