=========
BobJ, very interesting post. Lemme say I will give the
2006 Camry /Maintenance Guide/ credit for pointing out that the ATF should be inspected every 30,000 miles (or 3 years) and replaced every 60,000 miles if driving while towing.But, I think I agree with you. I don't give much credit to the author(s) of the Camry's /Owner's Manual/ for saying that the ATF doesn't need to be changed if you don't drive under the Special Operating Conditions described in the /Maintenance Guide/. And the only Special Operating Condition mentioned in the Maintenance Guide that requires replacing the ATF at 60,000 miles is driving while towing. As you point out, it seems kind of like taking too much of a chance or risk, especially considering the cost of repairing a transmission.
In the Camry's case, it doesn't take much time to simply drain the ATF pan through the pan's convenient drain plug, and filling the pan back up through the ATF filler hole under the hood.
That won't get 100 percent of the old ATF out, but it will get about 40 percent out each time. It's pretty simple to do, and BobJ has convinced me that it's a very good idea.
BobJ, maybe you should help edit the Camry's Owner's Manual :-)