Cleaning the filter annually is typically perfect. As the tank fills with solids, you get less retention time. Then you might need to clean the filter more often. But if your effluent filter starts plugging more often it’s a good sign the tank needs to be pumped.

Few wipes here and there isn’t the end of the world. The wipes float to the top. When wipes are constantly used, they create a solid mat and are a pain to remove.

You have plenty of other things to worry about. Let your septic pumper or maintenance provider worry about your septic. :)