I would definitely wait till the first pips. Once you are more experienced you can decided from there!
For those that cut really early how do you keep them from getting nasty/moldy?
Well for one, you don't cut the top completely off, you leave a flap there so it can be opened and shut. And yeah the goo does get a little gook in it but a few swirls of a q tip every now and then and your golden