What duboman said. And to address your other concern: Yes it seems likely that when it comes time to rack, that sludge-plug may still be there. And again my advice is, don't worry about it. You may get a few floaties in your bottles (which won't affect your enjoyment of the beer); more likely is that as your beer spends three weeks carbonating (conditioning) in bottles, those floaties will settle to the bottom of the bottle and you can gently pour off the top.
"Anything worth doing, is worth doing slowly." ~~ Mae West