When I was buying my TCH in June of 2006, navigation was $1200 extra option, however it was part of a bigger package. Not sure what the price of that option is now . The $2000 would be a price if you were buying the navigation separate from the car, like replacing it or adding it later. You have much better chance of negotiating good price when buying the car than later.
I would think the radio should be the same in all Camry models, I would go to the dealer and test it in other car even if it wasn't hybrid. Of course you can receive the calls while driving, that's the whole idea of BT. You can not dial out the numbers, except the speed dials , so you won't get distracted from driving, when searching the phone number. There are 3 solutions for that , if you have navigation system:
1) you can dial directly from phone
2) you can combine older version navigation firmware with new navigation data. Older firmware have secret key combination which unlocks all the functions locked out when driving. New firmware has this function disabled so you need to combine older firmware with the latest map data on one DVD disc.
3) You can install some simple device that fools the computer into thinking your car is moving very slow, enabling all locked out functions when needed.
I have no idea how all this works in non navigation equipped car.
You can find more details about unlocking the functions if you search the forum.