Ever push a stick into a wasp's nest? LOL
This discussion gets kicked around ad-nauseum on this and every other beer brewing thread out there.
First off: Your beer is done fermenting when it is done. No particular time frame can be applied. Test it with a hydrometer and when you get two or three day's readings in a row that are the same then it is done. Move to secondary then? Totally your choice.
Do not use a secondary if you think it will enhance clarity. For the most part clarity is affected by suspended proteins (such as in a hefe or wit). These can be removed to some extent by fining agents, cold crashing, filtration and other methods. Suspended trub will simply settle out over time regardless of whether the beer is in primary, secondary or if it's in the keg or the bottle. Let it set long enough anywhere and the stuff that can settle out will settle out.
If you ferment your beer at the right temperatures there are few "off flavors" created that need to be cleaned up. That is why most commercial breweries move their beer as soon as primary fermentation is complete. Leaving the beer on the yeast is of limited value to them and, if we are that scrupulous with our fermentation temps, is of little value to us as well. But (for home-brewers) neither does it do any harm to leave it on the yeast for up to several weeks in most cases.
However, at some point the yeast will actually start to impart some flavors to the beer that you may or may not enjoy (I am not talking about autolysis). And the surface area of the beer exposed to the open headspace in the primary fermenter increases diffusion of O2 into the beer. So at some point (3-6 wks. probably) the risk of oxidation and/or yeasty off-flavors begins to increase.
For most beers that you'll package within 2-4 weeks no secondary is needed. Hold it longer than 4 weeks and you probably should move it to a secondary that allows you to fill all the way into the neck to reduce surface area exposed to O2.
So the upshot of this is: Use of a secondary vessel is probably best when you; 1) want to get the beer off the yeast before dry-hopping or adding other stuff, 2) want to harvest the yeast, 3) want to free up a primary fermenter for another batch, or 4) when you want to hold the beer for long period.
Cheers!