I thought that the cats efficiency was calculated by comparing the Co/No levels going in and then coming out of the cat as read by the pre & post cat 02 sensors? Testing all the sensors involved would be logical first step. If sensors check out then yes pulling off the precats would be my next move to see if they are look damaged, clogged or burn out.
If one or more of the cats are damaged then determining why they were damaged will bring you closer to understanding what the underlying root cause could be. Is it too much gas getting in the exhaust for various reasons or is it just that the cat had naturally worn out from a longer than expected service life? My original minicats are 11 years and has 170,000 miles on them so yeah they can/will last a long time but not forever eventually they like everything else fail. Taking them off and having a good look at them should give you a good idea of how well they are doing (are they nice and clean inside, can see through both screens still, can you see the catalyst material inside, are there any rattles from broken catalyst material or torn, missing or damaged screens) or you might find the worst case scenario (they're completely burnt out, melted inside and nothing more than hollow tubes) Either way finding the root cause (bad leaking fuel injectors, malfunctioning fuel pres. regulator, poorly maintained basic tune up equipment, lack of synchronization between valve and ignition timing, various defective or malfuntioning sensors and poor connections will be the key to it not happening again.