Geospatial foundation models are pretrained on satellite and aerial imagery, but whether such an encoder beats a strong generic one for few-label land-use/land-cover mapping remains unclear, as prior comparisons rarely isolate the pretraining data. We study five matched pairs of Earth-observation (EO) and generic encoders sharing objective and architecture (DINO/SatDINO, DINOv3/DINOv3-SAT, MAE/SatMAE, MAE/Scale-MAE, CLIP/RemoteCLIP) within a benchmark of 14 frozen encoders on five RGB scene-classification datasets (0.06-30 m GSD). With native preprocessing, we evaluate k-NN, linear and attentive probes and image retrieval over six low-label splits, using paired per-image significance tests. EO pretraining is not uniformly helpful: on most datasets and metrics, it significantly improves three pairs (SatDINO, Scale-MAE, RemoteCLIP, the latter evaluated only on unseen datasets) and significantly hurts two (linear probe: DINOv3-SAT by up to 22.5 points, SatMAE by up to 8.8), with opposite outcomes even for two MAEs pretrained on the same fMoW-RGB imagery. These effects are robust to patch-token pooling and attentive probing, concentrate on small man-made objects, and are largest with 1-5% labels. Across encoders, the silhouette score of frozen embeddings predicts k-NN accuracy and retrieval mAP almost perfectly (Spearman $ρ\geq 0.96$ on four of five datasets). Pretraining on satellite imagery is thus not a reliable selection criterion; candidate checkpoints must be validated on target data.

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