I agree with audphile1. It depends on how often you use your turntable.
I also agree with billstevenson. If you are removing the headshell and changing cartridges then you are essentially starting from scratch every time you do that.
What I don't agree with is that once your tonearm and cartridge are set up "the variables do not change."
VTF will change a little over time because as you play records, your cartridge's cantilever assembly will soften, and eventually it will sag a little, and when it does the VTF and VTA have both changed.
So has the overhang. Sort of. Your cantilever will tend to bend toward the spindle as it wears, so it may help tracking to adjust for this variable every so often.
The good news is that, assuming you can raise and lower your tonearm pivot, you can adjust the arm height and the tracking force to this new position of the cantilever and restore the sound you had before, more or less.
The bad news is that once the cantilever sags to the point that you see a noticeable change in arm height and VTF, you're nearing the end of your cartridge's useful life, or at least the end of the period during which it will sound it's best..
That's the long answer to your question.
The short answer is: check it every 3-6 months. If the VTF has changed, reset it, and then if your tonearm allows for azimuth adjustment, that is the time to make that adjustment.
And markcasazza, don't worry about using a microscope to check your stylus. If you have your overhang and anti-skate set well you will wear our your cantilever assembly well before you wear our your stylus.


