Like I said, get a second opinion from a good transmission shop. That doesn't sound good, but why not explore your options?
You may also consider ordering a replacement. Wyatt at https://www.rocksolidtoys.com/ has a very good reputation, and has been a helpful member on TacomaWorld for years.
Tricky thing is I’m in the middle of nowhere in west Texas. Not many shops around and I don’t want to drive far in case it gets worse - currently shudders at 20-30, 45, and around 60. Not sure I’d make it further than I’ve pushed it.