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Even on a proper diet a septic system still needs regular check-ups.  Though a septic tank is designed to store solid materials they build up and limit the settling of particles entering it.  And if septic solids are allowed to flow into the drainage field, the field may become clogged.  Sludge decreases the retention time in your tank - though it appears to be working normally.  It might take a year, or it may take five or more, but 'sludge happens'.

The smaller the tank, and the more people using it, the faster the sludge accumulates - and though larger tanks have more capacity, these too will eventually fill.  Once its too late, you'll know your drainage field is too congested to do its job.  Your drains and toilets slow down, stop, or may even start to run backwards.

Having your septic tank inspected every two years is cheap insurance. 

It costs less per year than the sewer charges levied in many urban areas to have your tank inspected and gives you the confidence that your tank has its whole design capacity ready to treat your household wastewater.  Summer, and early fall are the best times to pump out your septic system.  This leaves time before winter, for the tank to refill and bacterial activity to become re-established.  Also, the ground won't be frozen and the spring water table, which can create buoyancy problems for septic tanks, has receded.  Particular care should be taken when pumping tanks made of lightweight materials such as polyethylene, fibreglass and steel. A septic system pump-out is less than a hundredth the price of an overhaul.

So the choice is yours.  Pay a little now... or a lot later!