Not true. On the latest gen Tacoma's, even the base models have the same prewiring for fog lights as the higher trims. For instance, the base models have the fog light wiring w/pig tails plugs taped to the bumper. So just plug play-once you get the relay. I also believe the reverse camera wires are there on the base Tacoma's too (2011+).I have heard Toyota is notorious for building cars to match specifications and they do not have a cookie cutter, one size fits all in regards to having the wiring/etc for multiple options "just in case" an upgrade is wanted.
I recall my old Pontiac had all the wires in the base model as the high end one and I was able to buy all the features I wanted aftermarket and add them as the harnesses were there and I just had to plug it up.
I suppose if you think about it, toyota probably saves a lot of money by not giving away a bunch of wiring that will never be used by the end consumer...
I wouldn't be surprised if it was the same thing for the Camry. Wonder if the LE has the same pre-wires. I' ll look whenever I get my hands on the Camry again.