Well, I'll tell you what I do. I wait until fermentation is over, or mostly so, then I drop pellets in. I keep the temperature the same and wait 3 days. Most if not all of the oils will be in solution by this time, and the hop material will have had time to settle out somewhat. I then cold crash for 2+ days. This will help drop even more yeast and hops. Then I keg. If I can cold condition longer, I do.