Modeling users' cognitive states (e.g., cognitive load and decision confidence) is essential for building adaptive AI in high-stakes decision-making. While eye tracking provides non-invasive behavioral signals correlated with cognitive effort, prior work has not systematically examined how AI assistance contexts, specifically varying advice reliability and user heterogeneity, can alter the mapping between gaze signals and cognitive states. We conducted a within-subject lab eye-tracking study (N=54) on factual verification tasks under three conditions: No-AI, Correct-AI advice, and Incorrect-AI advice. We analyze condition-dependent changes in self-reports and eye-tracking patterns and evaluate the robustness of eye-tracking-based user modeling. Results show that AI advice increases decision confidence compared to No-AI, while Correct-AI is associated with lower perceived cognitive load and more efficient gaze behavior. Crucially, predictive modeling is context-sensitive: the relationship between eye-tracking signals and cognitive states shifts across AI conditions. Finally, fusing eye-tracking features with user priors (demographics, AI literacy/experience, and propensity to trust technology) improves cross-participant generalization. These findings support condition-aware and personalized user modeling for cognitively aligned adaptive AI systems.

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