You're probably going to get some varying opinions on this, corresponding to the varying types of processes that different brewers have fallen into based on what kinds of time schedules are compatible with their lives.
This variability should provide a hint. If nothing else, it demonstrates that the timing of packaging (within reason) isn't going to have much of an impact on the end result.
The most basic rule is, unless you're going to try more advanced techniques like spunding, you should be sure the beer has reached FG before packaging. Beyond that, do what works for you.
You've no doubt read articles or books or forum posts that talk about the need for the beer to sit in the fermentor so it can clear up, or, the perennial favorite to repeat verbatim "allow the yeast to clean up after themselves." But those processes can just as easily take place in the bottles or kegs.
If you're bottling and doing hoppy beers, I wish you luck. I was never able to get results in these styles remotely comparable to commercial examples until I started doing kegging with closed transfers.