I was going to bring that up too.
My very first SBI in 1965 took several months. I was only 18 and had zero record. Not even a traffic ticket. They even investigated those people I used as references.
I'd heard those cost the government on average $10,000 to do.
That's much of the reason they're only done every five years. Time and money.
I maintained a TS with SCI access for over 30 years. Every five years well before my clearance would expire I had to submit a new DD-398, and finger prints.
Thank TUCKER for bringing this news out! He was talking about Brennan still having Security Clearance!
If I'm coming into Government, Iwould make sure my enemies have no Security Clearances at all!!!!
The cost is much higher than $10,000. Everything else you wrote was spot-on!