Yeah, that's a crap shoot dude, Im just going to tell you my opinion and do not want to scare or sway your decision in any way shape or form...so here it go's, do you really need it? Probably not...will you have peace of mind if you do and it's done correctly, maybe?...what I can tell you is I am a transmission rebuilder with 20+ years under my belt and when people come in for a preventive trans service part of the floor techs job is to drop the pan to inspect its contents, it's then policy to show the contents in the bottom of the pan to the senior builder (myself), and 10 out of 10 times it shows normal debris which is a few tiny flakes of brass, maybe a little mound of friction material and the pan magnet showing fuzzy goo. I then roll my eyes and say its normal, whether or not the boss likes it is tough cookies, I get paid for my experience and opinion and don't like to do unnecessary work piled on top of legit work..."guess what" the condition of the above described pan is "NORMAL" don't ever let anyone tell you that you're in dire need of a rebuild (you know your car better then anyone else and if it's not broke don't fix it)...its just an attempt to make bank on you...so if you don't know what you're looking when they bring your pan over to you, the dog and pony show starts...that's how problems start and turn into the nightmares you've mentioned above...there are good techs out there, though not easy to find...so just remember the pan scare scam, use your own judgement and you should be able to wart off the crooks by just saying "no not today just the fluid change right now" when they go in for the kill on a transmission inspection service...good luck in your ventures
--JMO
