Just so you have a second opinion... The normal way of thinking for these motors (both the 3s-fe and the 2vz-fe) is check the valve clearances at 15k miles and then never again. They almost never need adjustment unless there has been a problem (dirty/old oil, etc.) and even then there would be worse problems elsewhere in the motor to deal with first.
I've personally had a few Camrys: 267k miles (crashed car), 310k miles (blown engine, other reasons), 145k miles (swapped to better engine, no problems with original) and 185k miles (blown engine, other reasons) without any valve adjustments ever done.
As for the startup noise, '88 All-trac has it correct. Also make sure you use a good oil filter with a quality anti-drainback valve on there. No Fram crap. OEM Toyota, Bosch, Purolator and others are all good choices other than Fram.
-Charlie