The independent would have been right about updating the software. Remember how I said the CEL turning on when the efficiency drops from 100% to 90%? Some manufacturer can detune it so that the 90% number is changed to (say) 80%. However, they will only do that if the vehicle is still inside the EPA mandated emission warranty (8/80K).
An independent should be able to run the snap throttle test. Go back to him and ask to run it or you might be able to run it yourself if you can buy a vacuum gauge. They are not that expensive. I am assuming that since you are asking questions here, you are willing to try few options on your own before letting somebody else fleece you. If you trust your independent mechanic, ask him to find out if your converter is blocked by doing the snap-throttle test. I suspect he believe it is NOT.
Is it possible that your converter is completely clogged? I do not think so. What other symptoms are you having? Does the car feel like it is running out of steam? Is it hard to rev the engine? After a highway drive during the night, open the hood and also peek under the car. Do you see glowing exhaust or catalytic converter? There can be lots and lots of things which could cause the mileage to go down. Some of the previous contributors have already listed them. For example, dragging brakes could easily drop the mileage. It is also easy to find. After the drive, just compare the temperature of all wheels (just be careful and don't burn your fingers!). If you find a hot one, you know you have a stuck caliper. If the car does not roll easily in neutral, then that would be it. A scanner can tell you if your fuel trims are at the end of the acceptable level. MAF reading can tell you if you have vacuum leaks or dirty or bad MAF. A cheap and competent scanner costs under $100 and can give you a view inside your engine's health.
I have been driving all my vehicles now for many years with the P0430/P0420 code disabled and to the best of my knowledge, no harm has been done so far.
In the end, it all depends upon the strength of your own determination to diagnosis this situation. There are very few mechanics who are smart and patient enough to spend the necessary time with your vehicle in the limited span of time that they have. You on the other hand are living with that vehicle and have all the time. You also can notice abnormality with the vehicle given its history. If inclined, you can invest some money in the tools and get your hands dirty.
Is the independent mechanic your usual mechanic? If you do not want to get dirty, stick with him and work with him. That is what I do even though I own more tools than he does
Best of luck!
- Vikas