Contrary to what I had read about "no DOM events associated with CSS backgrounds", indeed my tests reveal that in modern browsers:
$(window).load(function() {
// all images loaded
});
does the trick. It only fires after loading the external images in external CSS.
I put a few 20+ meg image backgrounds in place to verify.
If this hadn't worked, Plan B was using data URIs, but I am glad it didn't come to that.
Thanks for the replies!