You speak of a rendezvous, and in this you touch something close to what my people have always known — though the Dagara do not speak of sealed testaments inscribed before birth. We speak instead of a contract, yes, but one that is not written in solitude. Among the Dagara, no soul departs into incarnation alone. The ancestors accompany the soul to the threshold, they negotiate with it, they hold the conditions of return in their own memory. The death-day, if such a thing is real, would not be a private appointment between a Higher Self and some cosmic clockwork — it would be a communal date, held in trust by the village of the dead on behalf of the village of the living.
This distinction matters enormously for how a community would absorb this knowledge into doctrine. If the death-day is a negotiated agreement between the living person and the ancestral realm, then knowing one's death-day becomes not a mystical secret to hoard privately but an obligation to bring back to the community. I would expect new ritual forms to emerge: ceremonies held on the known day each year, not in private meditation but in communal fire, calling the ancestors near, keeping the channel open, asking: Is this the year? Are you ready for me? Am I ready for you? The individual anniversary becomes a village event, a thinning of the membrane maintained collectively rather than experienced in solitary clairvoyance.
Where I part from your vision most sharply is here: you place the soul at the center of its own departure, the year as the sovereign wager of individual karma. In the Dagara understanding, the year would not be hidden to protect free will — it would be held by the ancestors themselves as a form of protective medicine, released only when both sides of the threshold are prepared. The discovery of the death-day, then, would not produce paralyzed mystics or reckless libertines so much as it would produce a hunger for new ancestor-facing rituals — and that hunger, I suspect, would call forth new forms of spiritual community organized entirely around the maintenance of that dialogue.