My wife is a bit like you and while we do more actual juice wines we have done about 20 boxed wine must kits. It's ok to wait, in fact if you wait long enough there is no need to "stabilize" aka, adding potassium sorbate and finings. You're fine with it after long enough. A big reason these wine kits come with all the stabilizers is so they can claim the ready to drink in x amount of days on the box. We've followed the directions to a "T" years ago when starting out but now it goes something like this,
Start wine by following directions, let sit 14-21 days. Rack. Forget to do the other X amount of racks and let sit a 2-3 months, bottle. Let sit another 2-3 months.
One thing to keep in mind, some of those fining actually require a yeast cake (that is then stirred up in the carboy) to help everything settle out. So waiting too long and transferring too often defeats the purpose of even using the finings.