Re: protection package scam?
I paid $500 for it on my Tundra and the only reason I did was to place extended warranty on the crap paint jobs they throw on the Tundras.
As near as I can tell, all they do is Scotch Guard the seats, Armor All the interior, and have some high school kid wash and wax it. As for undercoating, you can do that yourself or pay some shop a lot less.
This is how dealers make money at the time of sale, by offering BS like this, along with all kinds of other crap, like a low jack kit, alarms, what have you. Getting serviced by them is another way they make money. I don't think they make money on the actual car itself, as much as they do on the other stuff they push on you.
I've bought a lot of new cars in my life, and have never had a salesman insist. I politely yet firmly tell them no and they've listened. If they insist, tell them to FOAD and get the paperwork to the sales manager, you're in a hurry.
The only thing worth considering is an extended warranty on the drivetrain. Those I buy, but I negotiate the cost.
Edit: don't forget, if you sell that vehicle with the extended drivetrain warranty before the original ends, you get that money back from Toyota. You also get back a prorated amount afterwards if you go beyond the original manufacture warranty. Use that as down on your next vehicle, be it a Toyota or other make.