There are 3 stages of wine making ... fermentation, aging and digestion. Digestion is the most important!
(I've been waiting for a reason to use that one.)
This is a good question and I wondered the same at one time. So I looked up the definition online. Dr. Murli with a long last name from Iowa State says the 3 stages are fermentation, maturation and aging which starts at bottling. "The term wine 'maturation' refers to changes in wine after fermentation and before bottling. During this period, the wine is subjected to various treatments, such as malolactic fermentation, clarification, stabilization, and bulk storage."
Then it seems mostly everyone else in the world, including me, refers to aging and not maturation. Too many references online to list here. Grouping all kit instructions together, they have a fermentation period followed by a "2 or more weeks clarification and stabilization period". Then you bottle or "bulk age" (another term found in kit instructions). So, since I mostly make kits, I once thought aging starts after clarification and stabilizing. However, many on this forum clarify over a longer period of time and without fining agents. So there goes the finite clarification and stabilization period out the window.
I now use fermentation, aging and digestion. Fermentation starts when I pitch the yeast and stops when it stops on its own or when I stop it. And when fermentation stops, aging starts. As you said, the exact dates you use won't make much difference.
HOWEVER, the digestion phase is very, very important and one should approach it with the great seriousness it rightfully deserves!!
(I've been waiting to use that one too.)