A.S.
Definitely NOT over the top. I recall you posting asking about car seat inspections a while back... I posted this info there, so sorry that I'm repeating myself. 1 year and 20 lbs is the minimum, but the AAP and safety officials recommend to keep them rear-facing for as long as possible. Here are a few links to more info about why extended rear-facing is best: http://www.carsafety4kids.com/rearfacing.html and http://www.car-safety.org/rearface.html
I don't consider it an inconvenience when it comes to safety. My daughter is 14 mos and over 20 lbs. I plan on keeping her rear facing for quite a while longer... as long as her car seat will hold her rear facing. Check your car seat specs, and try to leave them rear facing for as long as your seats are capable.