Speed requires a time lapse and measuring the speed at the point where it reaches zero is nearly impossible. That’s where calculus comes in. It allows you to use math formulas to calculate real world situations. We know it has to stop, but, mathematically, it doesn’t.
I am a Mech Eng by degree, had more than my fill of calculus and differential equations. I am curious about what calculus formula you are utilizing to determine the fly wouldn't stop? Intuitively, I think that although the stop or pause is infinitesimally small and impossible to measure, it does occur. I'm trying to think of anything in the real world that can make a perfect 180 change of direction without a momentary pause.
I think formulating a calculus formula to deal with the fly or bullet would be very difficult to derive due to what happens to the body of the fly and/or bullet upon impact. If you made the assumption the shape of either remained the same at impact, it would be much easier. But that isn't the case. Perhaps I should be cruel and propose this problem to one of the Math Professors as a potential bonus question on their next Calc III final. LOL