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It depends. Smaller, younger trees take longer to mature, but they're more resilient, their roots don't get as damaged during transplanting, and they recover faster. Plus, they're much more affordable to plant, and it's possible to DIY the planting. 

On the other hand, mature trees produce fruit faster and provide more shade and privacy immediately. Ideally, a small or medium tree is the better choice if you can wait a few years for it to mature. But if you need immediate maturity, a larger tree is the only option.

Grass is the most popular and safest option for planting over a septic drain field, but you can also plant small flowering plants and other lightweight plants that don’t have woody or deep roots. Avoid trees and bushes within 10 feet of the field, as the woody roots can crack the perforated pipes. You should also avoid planting vegetable or fruit gardens over your drain field, as a leak from the pipes could contaminate the soil and put anyone who eats the produce at risk.

As with anything you do near your foundation, you’ll want to ensure proper drainage when you plant your foundation beds. Your drainage should run downhill from the highest point against your foundation to avoid water intrusion and incurring expensive foundation repair costs.

It is possible to DIY complete hardscaping projects, but in most cases, hiring a professional is best to get the job done correctly. Hardscaping—including installing patios, decks, retaining walls, walkways, and water features—is challenging and time-consuming, so the money you spend on a professional is typically worth it. Not only will the quality be better, but you could avoid problems that come along with a lack of hardscaping experience, like drainage issues that can lead to costly foundation damage and leaks in your home.