i prefer to count things in a way that doesn't require a judgement call. This keeps it more consistent.
It's germinated and growing before you can see it, but i count from the point it sprouts - breaks ground. I don't care what it is arbitrarily labeled at that point, it's simply the first day.
I keep track of how long they take to sprout to compare any changes in my methods for germinating. I keep track of time after it sprouts to track and compare growth in an apples to apples way
Break it down in a way that helps you assess things and not strictly due to arbitrary vocabulary.