>The amount of chemicals used in a home darkroom likely will not do any appreciable damage to the function of a septic tank<
Anything that contains hexavalent Chromium is toxic to septic tanks and water supplies in the parts-per-billion range. I would never dispose of any Cr+6 in anything but a toxic waste dump. A part per billion is something like, in ball-park anaogies, a jigger of whiskey in a train-tank car full of water.
Silver salts are also mildly toxic, but at a different level. If one wanted to be kind to his septic tank, he would not dump anything with dissolved silver, either. An exception might be the Silver halides, e.g. AgCl, which is so insoluble as to not matter. However, much of the unused silver in film is dissolved out and, therefore, available.