<font color=blue> John: is there enough difference between a mound system and an at-grade system that riding over the at-grade system wouldn't be a problem?</font color=blue>
I would think the biggest factors are how close to the surface you are, and your soil type (as others mentioned, staying off it when wet is a good idea). For most modern systems, the problem is soil compaction (and resulting ruduction in filtering capacity), not breakage of the pipes.
<font color=blue>I have very little understanding of septic systems. (obviously!)</font color=blue>
I'm not much better... in fact, it's been noted by some that septic systems and I are full of the same stuff. What I know is from talking to the engineer who designed and signed off on my system, and a bit of reading.