The reason we use heat in our platforms is to lower the temperature difference between filament being laid down and already hardened filament as some filaments shrink when cooling down (ABS is notoriously known for a larger shrinkage percentage). The temperature we use for the heated bed is close to the glass temperature of the plastic we print, at this temperature, the plastic is malleable. Because it is soft, it can better cope with the stresses caused by the relative cooler layers on top of the layers close to the bed. This prevents warping and prints getting loose from the build plate.
The reason for cooling down first after printing is to prevent the warm malleable first layers (as they have the bed temperature, especially with low height prints, or prints with a thin base) be deformed when removing from the build plate.
The temperature at which it is safe to remove the parts (so they won't get permanently deformed by the removal process) depends on the filament type. It has to be well under the glass transition temperature; so that it has hardened enough that it cannot be bend and maintain that shape. So, when printing different materials, the temperature is different. Furthermore, this is also depending on the geometric shape of the print, a larger volume print object with a relative high height to volume ratio cannot deform as easily as low height to volume ratio prints.
From personal experience, I remove large height to volume ratio prints directly after printing (printing on glass with 3DLAC), a quick tap will generally remove the print. With small height to volume ratio prints, like name tags, I wait for the bed too cool to either the print gets loose by itself (usually still temperature left in the bed) or the temperature has dropped to half the printing temperature difference (somewhere between 30 to 40 °C).
Because of the different materials and the print geometry, it is hard to device a strategy; some materials stick better (can also depend on the build surface). Cooling down the build plate before the print is finished is strongly discouraged, what if the print gets unstuck and the final layers are ruined on a long print? This waste of time and resources is not worth the few minutes to wait for the plate to cool down. If you cannot find the time to wait, you should look into alternatives; a flexible steel bed or multiple sheets of glass where you can quickly empty or replace the bed surface.