I've read numerous theories about gross lees, including one source that said gross lees (fruit solids) decomposes immediately and wine should be racked daily during fermentation until all all lees are gone. IMO that POV is simply ridiculous, and personal experience proves it out. On the other end of that scale, I've left wine on the gross lees for a couple of months and it developed off flavors that never went away. The best choice is in between these two extremes.
More plausible sources state that gross lees drops within 24 to 72 hours of the end of fermentation. I generally leave the wine for 1 to 3 weeks, which ensures the gross lees is down, then I rack. Anything that falls after that is fine lees (yeast hulls).
There is no need to rack off the fine lees. Search on "sur lie" and "battonage", which are techniques for using the fine lees to develop aroma and flavor. Once a wine is off the gross lees, I may not rack again for a year. I barrel age some wines for 12 months, stirring the barrels at topup time for 6 months, then letting it settle for the remaining 6 months.
If you're racking too often, you're wasting wine (loss due to racking) and needlessly exposing wine to air. I was taught to rack every 3 months, but later realized that if I am not gaining some positive result, I should not be performing that action (this applies to more than racking). Racking off fine lees produces no benefit, and racking a clear wine with no sediment is even worse.
Many moons ago one person I knew racked his wines monthly. He took a SG reading every month and threw away that wine because it was contaminated. At the end of a year, he could not understand why he lost nearly a full carboy from a total of 4. Nor did he listen when numerous people told him to stop throwing his wine away.
He was one of my best teachers, as he taught me what not to do.
Regarding Campden, think of it this way -- would you get a flu shot then repeatedly expose yourself to people with the flu? K-meta is an anti-microbial, anti-oxidant, and preservative -- however, the less you give it to do, the better.