Just my personal opinion, and therefore not worth much:
1) Protector Plus Program, cost $249, for 5 years, returns up to $4,000 additional to insurance pay out if vehicle stolen and not recovered in number of days.
?You're going to insure your car, right? Then why buy another $250 plan?
2) Hood reflector - $99. Guy on dealship recommend it a lot, saying it's "must have" item, specially for highway travelling.
?Must have? then it should be free. I assume you mean hood "deflector", not reflector.
3) Rust-proofing, coming from Toyota, make no change in rust-proof warranty - $500.
Rust proofing, yes, but investigate your options.
4) All-season mats - $120. Make specially for Camry, so fit great inside.
Depending on where you live, yes, but dicker over the price. If you live anywhere but Victoria, then yes. You should try to have them thrown in for free.