State-of-the-art perceptive humanoid locomotion is mostly built on retargeted motion capture, a generative motion prior, and a distillation stage. We report a complete system that does not require this pipeline for a humanoid to cross varied terrain. In its place, we provide a five-expert mixture routed by a terrain classifier over a sensed elevation grid, and target every foothold with a model-based planner, refined by six closed-form-gradient steps on an interpolated terrain-cost field instead of picked from a fixed grid. Driven through the same perception-to-actuation software a robot would run, inside a second, deployment-fidelity simulator, it crosses an $85$\,m five-segment waypoint course $18$ of $20$ times end-to-end ($90\%$, Wilson $95\%$ CI $70$--$97$) and succeeds $20/20$ on four of five segments scored alone, where an ablated configuration without the mixture and without refinement reaches $0\%$ on both the stair and the hurdle segment. The continuous refinement moves $72.4\%$ of foot placements across at least one grid-cell boundary, which produces real sub-grid correction. We also ran matched component studies to report what does not account for it: one expert equals five on the training distribution, four label-free routers collapse to near-uniform activation, and a self-supervised terrain embedding loses to the privileged label.

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