Sludge can accumulate in a tank
which is why it's important to flush out the tank several times a season. No chemicals needed, just plenty of water. After pumping out, add a few gallons of water down the dekc pumpout fitting...pump out...repeat...repeat..till the water being pumped out is clean. As long as any sludge is still "mud," that's all it takes to flush it out of the tank...if the sludge has turned to "concrete"--which takes years--there is no chemical that can dissolve it that won't also damage the tank. However, solids won't fill up your tank any faster than liquids. More people aboard, or the same number of people aboard continuously for longer periods, means more flushes going into the tank...and when you do the math (people x 5 flushes/day x .6 gal/flush), it's easy to see how many days it takes to fill up your tank..not long.