ROC curves, AUC and the cut-off nobody tells you about
Why a great AUC can still mean a poor tool, and what calibration adds.
Most AI tools do not say yes or no. They give a score, and someone chooses a cut-off above which the score counts as positive. Every cut-off gives one pair of sensitivity and specificity. Plot all the pairs and you get the ROC curve; the area under it (AUC) summarises how well the scores separate the sick from the well.
An AUC of 0.5 is a coin toss; 1.0 is perfect separation. But AUC says nothing about which cut-off the tool will run at, and nothing about whether a score of 0.8 really means an 80% risk. That second property is calibration. A well-calibrated model that says 20% risk is right about 20% of the time. A badly calibrated one can rank patients well (high AUC) and still give misleading risk numbers.
When the disease is rare, the precision-recall curve (PPV against sensitivity) is often more honest than the ROC curve, because it shows the false-alarm problem directly.
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Educational material, not clinical advice. Interactive numbers are teaching examples unless a source is named.