Definitely wouldn't recommend going for all the photos, but did want to throw in that your calculation assumes you're working on villagers one at a time, rather than multiple villagers concurrently. When I was still actively playing, and trying to collect all villager photos, I usually had 3-4 villagers (sometimes up to 6) I was working on getting pictures for at a time, which would bring it down to 6-8 years (still insane, but actually doable). And that was without amiibo cards, which would obviously speed things up.