Same as you, I don't see anything wrong with seeing a T long-term. For me, it makes sense as good self-care for the general upkeep of one's psychological well-being. Unfortunately, some Ts are not keen on this. I guess in some instances it could do more harm than good (e.g. dependency, avoidance of 'real' life etc.) but otherwise, why not.

As for termination, there are no prescribed rules. You do as you see fit. IF you don't want to go to a termination session, that is fine. IF you want to go, that is fine as well. You must do what works for you, regardless of what or how others say you ought to do it.