When to top

You should harvest when the majority of trichomes are milky white. If you don't have a magnifying device, can just eyeball it when the pistils are all brown, and 70-90% of them have shrunk and curled inwards, giving your bud and calyxes more definition. Pay attention to the calyxes on top, wait for them to swell up and become bubbly and round. At least one more week in my opinion. I usually go the extra week on top of what breeder recommends for more weight.

Top or chop? Top? Not. Chop? Whenever you like, if this is your first grow it's going to blow your mind either way! I always say one more week won't do any damage! Happy smokes!

Not there yet and I think there might still be some time before all of them are all done. As long as there is white pistels and the plant is not dying or rotting i would let it grow.

You're way beyond the topping stage. Topping should be done during veg. The good news is that your girl seems to be loving life right now. The best thing you can do is what you already have been doing!