Coolant and Transmission Fluid change.

I took my wifes 2004 Camry (4 cyl.) LE to the dealer for an oil change, tire rotation, and brake inspection at about 19,000. There were no apparent problems with the car. The service rep told me everything was fine, but they recommended a radiator drain and new coolant installed along with a transmission service where they replace about 5 quarts of fluid. I didn't have it done since I thought it was too soon and the transmission was running fine and the fluid looked good and red and had no burned smell. The car will be about 3 years old this Dec. 31. Should I have said OK to either of these services? I thought I could safely go another year on the coolant, and I also though it is much too early for any kind of transmission service. Incidentally, the dealers price for the two services was about $150. Al