TiltonBB, that might be an issue but, modern gas pumps have filters to remove both sediment and water. When they stick their tanks to see how much fuel is left they are supposed to look for water at the bottom of the stick. If water starts showing above a certain depth they usually call someone to bottom pump the tanks which removes most of the water and some of the sludge.
I guess you could do the same thing with a home heating oil tank but, it was usually cost prohibitive for us to do it when you figured the cost to get people & equipment to and from the site and the time it would take to access a fill hole that allowed you to get a solid probe to the bottom of the tank. That said, I bet there are companies out there that offer the service to home owners.
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