I keg from the fermentor, so I go by less than 4 bubbles per minute AND a minimum of a week AND the gravity is constant for 3 days.
But, racking earlier won't ruin the batch. Nor will it make the brew ready to drink any earlier.
Remember one unassailable statistic, as explained by the late, great George Carlin: "Just think of how stupid the average person is, and then realize half of them are even stupider!"
"I would like to die on Mars, just not on impact." Elon Musk