I don't know Pfsense. From the gear I know I could configure it on Cisco relying on proxy ARP. I don't think I've ever had to as customer typically had separate firewalls for their main and failover Internet, so the tracking and route switching would be on a Nexus or something. Meraki has some inherent failover mechanism, it probably tests connection to their cloud or something.
Anyway back to Starlink, nobody seems to know. I've raised a support case and see if they give a sensible answer. Otherwise Plan A is just configure on the assumption it's fixed. If that turns out not to be the case, worst case I could renumber parts of my network to remove the address conflict, and switch the Starlink out of Bypass.That means triple NAT, you can't put a static inside route into Starlink.
I might do the renumber anyway, 192.168.1.0/24 is too common a default so there's a chance of a future conflict anyway.