I have a body here that has ended up with a checked finish that I'm going to refinish because of that. The finish is only about 3 years old, and I didn't have to go through any freeze/thaw/heat cycles. Just time. I don't know, but I suspect you can't get a checked finish fast. Things have to dry to the point where it can crack, rather than stretch or contract.
I'm just guessing, but I think the reason I got the checking on this body was because I put a lacquer finish on that was too thick, then followed up a couple weeks later with several normal thin layers. That wasn't a plan, it was just how things worked out. The thick layer was brushed on with Deft brushable lacquer, while the thin layers were probably Behlen's instrument lacquer, which were sprayed on. So, the thick stuff almost certainly wasn't completely dry and probably wouldn't be for a few more months, while the thin stuff dried faster and hardened up. When the two finishes were moving at different rates, cracks formed. Maybe.