Some food for thought here. If your vehicle comes with amp installed, and you use the speaker level wires to the oem harness, you are sending amplified signal to your oem amp. If you use the RCA harness, then of course it is sending flat signal to the oem amp. I don't think the oem amp has any adjustment for the amplified signal and possibly distort the sound. I think normally, in a factory system with an oem amp, the oem head unit sends a flat signal to the oem amp. Please correct me if i am wrong.
Thanks joemamma1954.
I'm in total agreement with what you're saying. I've never actually pushed speaker level outs into line level ins. I'd be afraid of the outcome, unless I had some disposable items sitting on my bench, of course.
The Metra 70-1761 harness that I've put in for now requires you to not use the plug that came out of the back of the radio (left hanging in dash) and unplug the two harnesses from the onboard amp(s). These tho plugs interface with the two piece harness, that then go directly to the speakers from the HU. This all works fine, but sounds a little "thin" compared to the stock radio, believe it or not. The stock radio, even with bass, mid and treb set at 0 always had a subtle underlying bass beat folllowing the audio. I kind of like that...
I actually chatted with a Crutchfield rep last night. They pretty much told me that if I want to work with Metra's advice rather than theirs I was welcome to. (I already knew that of course.)
They're usually such an authority at getting all the details right, but not sure how they don't seem to know/think that you can stick with the onboard amp(s) by using a different harness, or that those year Camrys came with premium JBL audio systems as an option, particularly since their harness supplier knows about the audio option, lists it on their site and points you to a harness?
The only reservation that I'm having with the (Metraonline recommended) 70-8113 is that from the pics that i've seen of it, it doesn't seem to have enough pins in the plug to (I figure) cover all of the required connections. I guess that I've just got to get one in my hands to be certain that it will fit fine. Working on that later today.
Thanks as well for the lead on the antenna adaptor. 
Cheers!