Very helpful, thanks! What kind of SG are you looking for when you decide to do the final rack? Do you bottle then or age in a large container?
After the lack racking I mentioned, the SG should be 0.990 to 0.996. When the SG is in this range and not changing for 3 days, it's done fermenting.
It's typically 3 to 4 weeks from start to going into bulk aging. I bulk age for 2 to 12 months, depending on the wine.
Kits -- 2 to 6 months. I typically bulk age longer than the instructions say, but unless I'm adding extra oak, probably 3 to 4 months.
Whites & fruits -- 3 to 6 months.
Reds -- 3 to 12 months. If it's a basic red with no oak, 3 or 4 months. With oak additives? 4 to 8 months. If in a barrel, 12 months, which is when the next year's wine is ready to go into the barrel.
These time frames depend on numerous factors, including the wine itself, my free time, if I have enough bottles collected, etc. I have not had a serious problem with wine clearing in decades, so that's not a factor for me. However, if the wine is not clear and/or is dropping sediment, it's not ready to bottle.