Jim, as always, your advice is top-notch and sound.
It would be nice to drop the pan, but it's also risky. I would probably end up with a leak after scraping off the old gasket, applying a new OEM Form In Place gasket, and applying sealant for each of the ATF pan's 18 bolts (the sealant must be applied and bolts torqued within a short time frame, like 10 minutes), or you gotta do it all over again--according to the Camry factory service manual.
I suspect even a transmission shop runs a good risk of causing a leak, as I read in one thread that somebody had to take their car back to a shop after the shop dropped the pan. So the shop re-did the work. The first time wasn't good enough.
Probably for some models and makes, a pan drop makes very good sense, but I think for the 2006 Toyota Camry, it probaby isn't necessary. AzFireGuy mentioned he found no debris (or just about no debris) in his pan when he removed it from his '06 Camry SE after 30,000 miles, IIRC.
Plus a former Toyota employee who is a Toyota expert with lots of official certifications told me I should nix the idea of a pan drop on the '06 Camry. Again, I'm just talking about my make and model. This may not apply to some other makes and models.
Lastly, I'll just say I used my hand to sift through my 4 quarts of drained ATF last week when I did a drain and fill of the T-IV, and my fingers felt absolutely no shavings at all, not even a hint of a small shaving. (I used one of those neat, large, green 5-gallon no-top draining pans from Blitz to catch the drained ATF.) I hope I didn't get cancer from wading my hand in that used ATF! {Lol} Used motor oil is suppose to cause cancer, and I believe it.