What they said ^^^
My $0.02 is that it'll depend on how much initial trub your fermentor is showing before you cold crash, AND if you're racking from the top vs through a spigot at the bottom of the fermentor.
Stay with me here.... I ferment in a regular old bucket with a spigot on the bottom. Before I got a proper BIAB bag, and hop spider/bag I used to get a sh*t ton of trub on the bottom of my bucket that would cover my spigot causing the first pours of my keg to be cloudy and "off tasting." Now that I don't have that bag problem, I get very minimal trub at the bottom of my buckets, and as of my last brew, I got a solid yeast cake, no hop debris or left over malt particles (at least to the naked eye).
If you were to cold crash and transfer to a keg with a whole bunch of trub covering your spigot, you're obviously going to get a sh*t ton of debris in your keg - if you you don't you should be good. I'd suggest checking your system and seeing if there might be a flaw in your bag not being up to par, or if there is some way "more than necessary" particles are getting into your fermentor.
A few tips:
1. Get a good quality BIAB bag/hop bag - "wilserbrewer BIAB Bags" makes the best on the market
2. Use "wilserbrewer BIAB Bags" as a filter, or something that will upgrade your system, as you transfer to your boil kettle, and or your fermentor
3. When you chill your wort, right about when your like 10-20 mins away from hitting your target chill temp, stir your chilling wort like a damn mad man - this will cause all the particles in the kettle to settle towards the center of your kettle
4. Calculate into your losses to where you don't have to tilt your kettle to get your batch volume into your fermentor. For example: for my kettle, if I don't tip it I'll loose exactly 1 gallon of beer (which 90% is already trub).