It is too early for me to speak definitively 'from experience' but I do know that my beers are quite drinkable and that I am without doubt obsessing about stuff that may not be important in any way, shape or form.
I also know that craft/home brewing is one of those pass-times where there is a near-equal mix of good and bad information.
We live in an analogue world, so I find it difficult to expect that any component of the process finishes at an exact point in time - you might find that the vast majority finishes at that time, but there is still a component that remains unfinished.
I figure that if you're happy with the outcome of not finishing, then go for it, but in the case of mashing (especially) there is nothing to lose by leaving it go and only the impatient will suffer.
Please note that I wrote this as cockroaches nibbled on the remnants of my brain and my wife yelled at me for not picking up milk on the way home from 'work'...
If only she knew...
No Mash Tun. No Chill.
No confirmed fatalities.