IIRC it tracks at inflation which can run down to zero just as quickly as it can run up. That said, I seem to remember that you’re only penalized three months’ interest after year one so it’s not a crippling flaw.
That would be fine. It took over a year to ramp up, if it takes takes that long to ramp down you'll still likely up ~$1000 on $10k for 30 minutes of your time. I wish I had opened my accounts a year ago.