As a finish cures it outgasses and hardens progressively, quicker at first but approaching its final hardness over an extended period. As an example Dupont says that you can handle/assemble panels coated with their
ChromaSystem 1780S clearcoat after 6 hours-overnight (air dried) but you shouldn't use wax for 120 days (air dried or baked).
Wait time to minimize chips, scratches and dings isn't something you can pin down precisely because incidents that chip, scratch and ding aren't precise, repeatable or predictable.
Whatever time you choose to wait it's always prudent to do whatever you can to avoid damage. If you want to cover some area while you're working close to it don't use just any old rag or drop cloth, they're abrasive. Try to use a clean towel that's soft enough to use for polishing, like microfiber or 100% cotton terry. If you mask off any areas use only low tack painter's tape and don't leave it on the panel longer than recommended. If you do use tape remove it by carefully peeling it back on itself, don't just pull it straight up.
To remove light dust, fingerprints and smudges you can use a fresh paint safe detailing spray like Meguiar's #34 Final Inspection and a microfiber towel (wipe gently, don't rub). For heavier accumulations of dirt it's best to use a fresh paint safe soap like Meguiar's #00 Hi-Tech Wash.
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