Doesn't matter. As you note, chilling then racking will get you less yeast, etc. in your secondary. I've seen posts by people on HBT who lager on their yeast cake although it's not something I personally would do. FWIW I always rack right after the d-rest before the secondary.
2012 Canadian Brewer of the Year
2013 Canadian Brewer of the Year
2015 Canadian Brewer of the Year