Did your oil light come on? If it did, the damage to the engine will be serious, the longer it was on, the more serious.
If your engine has hydraulic tappets (lifters), the noise could have been one or more of them sticking or collapsing due to very dirty oil or low oil pressure. If adding oil made the sound go away, less damage was done, assuming no oil light on the dashboard.
But, there is a lesson to be learned here. 104k miles in 9 years is almost 12k per year. An annual oil change is not enough. You should have been getting the oil changed semi-annually if using conventional oil, every 9 months if using synthetic.
You have been doing long term damage to the engine. The low oil this year did not do all the damage. It has been building up.
In addition to not changing frequently enough, not checking the oil level periodically has also contributed to the damage. If you checked it monthly, you probably would have see the oil level dropping between oil changes in previous years. Never letting it get more than a quart low previously would have helped this engine last longer.
If you keep checking the oil level weekly from now on and getting semi-annual oil changes could help you get a few more years out of this engine. I would also get a new PCV valve simply because they are cheap and a new one may help reduce pressure in the crankcase which might help reduce the rate of oil loss.
You may also have some oil leakage. Just because you don’t see oil on the ground doesn’t mean that it isn’t leaking. A good mechanic should be able to find any leaks, there are signs besides drops on the ground.
Learn from this vehicle and don’t make the same mistakes on your next one. Also don’t forget that the cooling system and the transmission need periodic service too. Check your owners manual.