tyzippers, I'm sure the OP (and others) would be interested in your opinion, as a secondary racker, to know when (if one chooses to at all) one racks and how does one know it's time to rack.
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As a newbie trying to figure out this issue, I realize now in hindsight that a lot of my confusion was over the ambiguity of the term "done". I might still have misconceptions but my current (still newbie) understanding is that there are two important things that beer does in the fermenter(s). One, it ferments and two, it "clears up". Many folks used "done" to mean done fermenting and others meant "done" as in done clearing up.
Whatever...
It boils down to this: Either the beer can do these two stages in one container (i.e. you don't rack). Or the beer can do its fermenting in one container (the primary) and the clearing up in another (the secondary) (i.e. you *do* rack). If you choose to rack then you have to be certain that the beer has finished fermenting before you rack it.
Or at least that's how this newbie sees it.