Streaming Retrieval-Augmented Generation (Streaming RAG) hides tool latency by issuing retrieval queries in parallel with the user's still-arriving input, before the utterance is complete. Speculation can only help, though, when the correct query becomes determinable before the user stops speaking or typing -- a property of the query, not the system. We name and measure this property, tool-intent stabilization: the point in the input stream at which a speculative query's retrieval converges on the answer-bearing result. On the CRAG benchmark (1371 validation questions) we (i) characterize how stabilization is distributed across queries; (ii) derive a model-agnostic bound H on the share of tool latency hideable behind the remaining input, given tool latency L and input cadence delta; (iii) validate it against a working streaming pipeline; and (iv) ask which query properties predict early versus late stabilization. Stabilization is typically early: at a realistic operating point a 73.9% streamable fraction of the benchmark admits latency hiding, and H acts as a conservative aggregate floor that realized savings meet or exceed -- though it does not predict savings query by query. Question type yields a statistically significant but small early/late split. The study needs no model training and runs on commodity CPU hardware; a dense-retriever replication confirms the early-stabilization effect is not a BM25 lexical artifact.

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