Also depends heavily on the yeast. Once it's done fermenting the starter wort, a yeast like Wy1968 will floc out very quickly without any crash cooling - very convenient. Some of the less flocculent yeasts may take 2-3 days or more even when crash cooled. Like the previous poster noted, if the volume is less than 5% of the total batch, just pitch it all. And if you're really in a pinch, just ignore that rule - you're probably not going to notice unless you have something like a 1+ gallon starter and try to rush your main fermentation too. I'd be more concerned about trying to rush the starter, decanting off the less flocculent yeast thus having an impact on main batch attenuation.