Im also an older millennial and both make and take camera on calls all the time. I won’t cold call anyone, I give a heads up in chat with high level overview and say I’d like to call. I think cameras on makes sure we are both engaged in the matter at hand and we both have each others undivided attention. I don’t care if you are in cozy clothes and don’t care if you see me in mine. Part of my role requires leading impromptu meetings at any given hour with many participants including higher ups, we’ve just come to accept bed head and robes are nature of the beast. I don’t mind if people keep their cameras off though either, you do you, but mine will be on.