If you have a laundry dumping into the septic tank, and or a garbage disposal, you will need to pump more frequently. Both bleach and grease are tough on a tank's digestive processes.
The layer of crud at the bottom is basicly an accumulation of dead and used up bacteria, along with their digestive waste.
Washing machines discharge fibers into the tank,along with toilet paper, and bacteria really don't break down either of these items. Kitchen sinks discharge grease, which suffocates tank bacteria.
Things like sanitary napkins and tampons will remain in a tank, unchanged forever.
Soaps from handwashing along with showers also kill off bacteria, and when combined with grease, accomplish their task sooner.
While replenishing bacteria with things like Rid-X seems like a good idea, but the same thing can be accomplished, for a lot less cost, using ordinary household yeast.
Boosting bacteria can have serious consequences, creating excess gasses. It will also build a false sense of tank performence.
Leach fields wear out by contamination. The liquid leaving the septic tank is not clear water, it carrys microbes and what they are munching on. If you've ever dug into a leach line, the aroma alone will convince you. without bothering to sample the tank. Over time, the stone surrounding the leach line will coat with sludge, and fail to function. Over 20 years or longer, sufficient sludge and slime will accumulate on the stone to render the leach line a closed tube, rather than the conductor it was intended to be. Sand bed systems plug up faster than conventional leach fields.
How often you need to pump is based on how the system is used, and what is put into it. A tank that is functioning properly will have a scummy looking coating on top, with obvious bubbles.
Pumping is one he!! of a lot cheaper than replacing!