I stop chilling my ales when the surface temp/outlet pipe is about 21 degrees C.
It takes me about 40 minutes to chill 50 litres from boiling 100C down to 21C, so I guess in total I give the beer about an hour to settle after the boil is finished before draining into the ferm bins.
I stop running the pump and knock out the wort when it's 60F for ales and 48-50F for lagers. By that point the trub has settled so I pump to a fermenter immediately. Takes about 10-15 min, for ales and 15-20 min. for lagers.