Without the benefit of time and serial hydrometer readings, you won't know for sure if you've hit FG.
Some swear by the FFT (Fast Ferment Test), but I'm too lazy.
The only danger I see with bottling earlier on lees is that you're risking excessive carbonation (gushers or bottle bombs).
If there's any doubt, hold the bottling/priming sugar addition.
You only need a few SG points drop to get adequate carbonation in the bottle or keg (i.e., spunding). I read somewhere that green beer has 0.9 volumes of CO2 and that you get about 0.6 volumes of CO2 for every further drop in SG while in the bottle. So, as you can see, bottling at SG of 1.016 (0.9 vol CO2) and having a FG of 1.012 in the bottle (0.9 vol + 2.4 vol = 3.3 volumes of CO2 without any priming sugar additions).
Please correct me if I'm wrong.