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Ours isn't a septic (we're installing a worm farm) but we're not installing it until we're close to lock-up.
Why? Well, we're owner builders (naturally) and it could easily take us a year or two to get the project that far, and I don't want a tank and plumbing installed now when we're not likely to use it for a while. There are plenty of reasons - I want to be sure the installers are in business from go to whoa, I want the installation fresh in their minds if anything goes wrong with it, and I want the whole thing to be under warranty. If the job spans many months (or years) then there'll be a sh!tfight getting anything fixed if/when it goes wrong. We do have the pipes in place where there are slab penetrations, but that's all at this point.
On the topic of slabs cracking, I would expect that if the foundations are sound then unless you're excavating/breaking rock very near by, you'd have little to worry about.
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