OP’s not even sure if he’s got sludge. My point was, using VRP and four OCIs to cleaning, that’s going to be darn near 2029, and the Camry will be 30 years old. If he keeps clean oil in it now, there’s no reason to assume bad things will happen.
My question is, what changed for the OP that now, all of a sudden, this is a huge concern after so many years of what appears to be indifference? I agree even the yearly changes at 3k should have been sufficient to keep things reasonably clean.
I think there’s more smoke than fire here without proof of sludge, and I say that for the OP’s benefit. Maybe do 6-month changes for the next two years if it feels safer.