Foundation models pre-trained on large-scale fMRI datasets have shown strong downstream performance, but at substantial data and computation cost. To investigate how much fMRI-specific pre-training is actually needed for such performance, we introduce FReD, which derives fMRI representations from a frozen Deep Compression AutoEncoder (DCAE) pre-trained exclusively on natural images and pairs them with a task specific readout. For trait prediction, FReD summarizes frame-wise representations by their temporal mean and log-standard deviation and applies linear probing, with late fusion across two normalization schemes. For state prediction, it represents each frame as a single token and models temporal dependencies with a shallow Transformer. Across four resting-state datasets spanning six trait-prediction targets, linear probes on frozen DCAE features generally outperform those on fMRI foundation model representations and remain competitive with fully fine-tuned fMRI foundation models. On three task-fMRI state-prediction tasks, a temporal readout on DCAE features performs comparably to the strongest foundation models evaluated. A Gaussian injection analysis further shows that localized signal changes are recovered more accurately from the frozen DCAE features than from the evaluated foundation-model representations. Together, these results show that strong performance on current fMRI benchmarks is possible without fMRI-specific representation pre-training, making frozen natural-image features as a useful baseline for assessing its added value.

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