Bulk aging versus bottle aging, that really is one of those ask 10 winemakers, get 43 opinions. Most of which come down, to here is what I do and it must be correct, since folks like my wine.
So I'll tell you what I might do. To me bulk aging produces a more consistent end-product than bottle aging, although some bottle aging is good to get past bottle shock and let the wine get used to being in a smaller container. There is complex chemistry stuff going on that in bulk, that can't be the same in the bottle for all bottles. I think, unless there is a really, really good reason to, I might not rack at all. (A good reason would be very thick lees) Racking exposes your wine to oxygen, why do that, if there isn't a good reason. I would probably just add K-Meta to the proper dosage based on Ph (or add 1/4 tsp per 5-6 gallons). and leave it at that. There's mine, hopefully others will give you some to ponder as well.