Wearable electrocardiogram (ECG) and photoplethysmogram (PPG) sensors are complementary but individually fragile: motion artifact, poor contact, and sensor dropout can degrade one or both signals. Fusion strategies that assume both modalities are equally trustworthy can become less reliable than a single clean modality under degradation. We present CardioFusion-AI, a framework whose signal-processing front end, including R-peak and systolic-peak detection, an Orphanidou-type signal-quality index, and beat-by-beat pulse transit time estimation, is validated on 53 real intensive-care recordings (848 windows; heart-rate mean absolute error 1.61 bpm for ECG and 2.78 bpm for PPG) and a real annotated fetal ECG database (R-peak F1 0.89-0.98). We then conduct a controlled synthetic degradation study comparing eight ECG-PPG fusion strategies across six degradation regimes spanning graded corruption and complete modality loss, using five independent training seeds. Attention fusion achieved the lowest descriptive overall error (1.66+/-0.43 bpm). Both adaptive gates reallocated weight toward the healthy modality under complete modality loss, but showed near-zero correlation between gate weight and signal quality under graded degradation (r = 0.10-0.24). Signal-quality conditioning produced a specific improvement under missing-PPG conditions (1.56+/-0.59 bpm), approaching the 1.48 bpm unimodal ceiling. With only five training seeds, no pairwise comparison survives Holm-corrected significance testing; effect sizes and confidence intervals are therefore reported. These results indicate that modality availability and modality quality are functionally distinct problems for adaptive fusion.
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