Time heals, indeed. Time is essential to heal lagers. It's practically in the name.
I would venture to propose that you need to worry about nothing yet. A fermentation temp of 55 is better than most people reach without devoted temp control units. But why move it to a secondary before you're ready to lager? I think you may be confusing ale and lager procedures here. You don't 'secondary ferment' lagers; you just lager them. Once fermentation is finished or nearly so and most of the yeast has dropped out, then you transfer to another vessel and drop the temps. You shouldn't be lagering it on the yeast. Ales do fine if you leave them on the yeast, even for a long time. Lagers are a bit more sensitive.
But enough theory. If I'm understanding your setup right, here's what I think you should do:
1: Check the beer for diacetyl. Take out a sample; if it tastes like buttered popcorn, you have diacetyl. Bring the beer to room temp for 1-3 days until it disappears. If it doesn't have this taste, proceed to step 2.
2: if you've reached terminal gravity, transfer it to the keg, leaving behind the yeast.
3: Put the keg in the fridge, and keep it there (you say around 40*; that's fine) for as long as you can bear.
4: Carbonate, drink, enjoy.
Basically, you want to get the clear, fermented beer into a cold place for a while. At least a month. Depending on the type of beer, maybe longer; dopplebocks are lagered for 9 months. Then you can get it ready to serve.
Yes, it's a lot easier to stick to ales. But lagers can be a lot of fun; you're pitting your wits against the weather.
If you want more info about making lagers, and haven't done so already, I highly recommend you read the 'fermenting lagers' article in the wiki. It's really great.
https://www.homebrewtalk.com/wiki/index.php/Fermenting_Lagers