A scheduled visit lets you compare scope, expose safe access, pull the permit, and avoid an after-hours backup. The current Columbia-area published market example in the pumping-cost guide is a useful private price reference, but access depth and extra compartments change a real quote, and so do hose distance, solids, and emergency timing.
The larger financial protection is the drainfield. Tank solids that escape can clog a filter, box, pump path, lateral, or treatment soil. Pumping removes material still inside the tank. It cannot vacuum solids out of the absorption area or reverse compaction, roots, age, and saturation.
Do not overcorrect with automatic annual pumping when measurements show it is unnecessary. Opening and servicing a tank should have a reason. A documented inspection-plus-pumping strategy avoids both neglect and calendar service that provides no information about the system's actual condition.