If we take the oil pan off, Toyota might deny because you've cracked the engine open
Agreed. On a street driven car, I'd personally choose to leave it unaddressed, allow the engine to grenade itself, and have a replacement covered by the warranty instead of dropping the oil pan to clean it up myself - specifically to avoid giving the manufacturer a plausible reason to deny a claim or replacement if/when an engine failure is experienced. Even if you drop your pan and clean it up, there is no good way to definitively tell how much RTV has yet to break off in the future or if there are other areas besides the oil pan that have excess RTV, nor is there a way to tell how much your bearings have or have not been impacted thus far by some degree of oil starvation (besides knowing that it wasn't enough to have them spin yet).
Obviously, dropping the pan and doing your best to get ahead of the issue is a good idea if you feel that you already do not have a reasonable chance at getting an engine failure warranty claim approved because you know your black-box data would lead to a claim denial when the manufacturer's FSM pulls it (over-revs, top speed data, acceleration data, G-load data, GPS location data that indicates a known track or racing course). Or, ironically, if you attended the free track day courtesy of Toyota... lmfao.
So I have a thought. I’m supposed to have my car going in tomorrow to get the zits fixed on the front. After it comes back I’m going to ask my local tune shop if he wants to use his boroscope to check my strainer. With this going on he’s bound to be as curious as I am.
I had the same thought, but it appears user "Aon" from the FT86 forum stated that "Unfortunately the oil pickup is located in such a way that it not able to be accessed unless the pan is removed. You can however look at the surrounding seal and check for excessive sealant or signs of some breaking off".