Costs and Benefits of Reusable Contextual Structure: Amortisation transfer and charged adaptation in finite context mechanics

Abstract Contextual organisation incurs costs before it can save work. We test repayment, relational transfer and their interaction through three finite studies, followed by two explicitly reported policy revisions. Sustained useful materialisation repays its complete declared service cost; sparse applicability, expensive qualification and changing demand can prevent or reverse repayment. Learning a compact relationship reduces subsequent access effort across two supplied carrier formats, while sharing that relationship adds only a small, mixed saving over a competent constructive learner. Shared inference with exact caching beats uncached direct lookup in 32 of 56 matched worlds, while direct lookup with its own exact cache beats that combined route in 48. The primary sharing–cache interaction is exactly zero. Conditioned unknowns, current authority and original urgent duties remain observable throughout. We retain successful and unsuccessful outcomes, complete operation ledgers, frozen source, independent checks and repeat executions. These results establish bounded repayment and selective reuse within explicit service models. Technical capability, feasibility under resource constraints and comparative economy remain separate claims. The next obligations include wider transfer, prospective storage admission and deciding when further monitoring is worth its cost.