After having done ALL of my research, I now quarantine for 12 full months. Paramyxovirus can incubate with no more symptoms than an intermittent appetite for over 10 months!! (This info came from online accounts, and also I confirmed this with my veterinarian when I discussed whether blood tests for paramyxovirus were available--accurate tests are not available, by the way, or I would test every animal instead of quarantining for a year).
I try to purchase new animals all around the same time, over the course of a few months, then keep them separate from the rest of the collection for a year. I can breed them in quarantine, after all, just not to animals in my main collection. It simply is not worth the risk to bring an animal in to the main collection which could be carrying a deadly and contagious disease.
90 days may be enough time for most viral illnesses to present, but not all of them...if you're going to quarantine at all, why would you skip quarantining for one of the biggest baddest diseases out there?
This is not being over-cautious. These diseases are not rare enough, and the risk is just too high.