To be honest, I'd start with replacing the governor pressure solenoid and transducer and changing the fluid and filter and see where that gets you. It sounds more like an electrical issue than a needs a rebuild issue. Debris in the pan is normal wear but everyone's definition of how much is acceptable may be different. Miles since last serviced is going to play a huge part in how much stuff is in the pan as well. If you don't see brass or chunks I'd try the electronics first and see if that helps anything.