$200-$300 for annual pump out is cheap insurance. We have also had our system inspected (cost was similar $200-$300). Inspector recommended removing a tree that was close by as the root system WILL seek out moisture.
Having a new system designed/approved can be a good idea as it locks you in for that particular design for a period of time. IIRC it was something like 5- 8 years? If requirements should (will?!) change you will have a design already approved.
This is how the inspector explained it to us.
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