Well let's start with at what point did you actually add the honey? At Flameout? last 10 min or 30 min? If you've had the primary for 3 weeks, what's wrong with another week? Don't get scered, another week won't hurt. How do you know that the honey hasn't fermented out? I use honey additions with a bunch of my recipes, honey gets broken down pretty easily actually and taste of honey is more dependent on when you added the honey, the closer to the end you add the honey, the more of the taste sticks around. An extra few days to a cople more weeks will only allow the beer to age more fully even if it's done attenuating. However you can circle jerk with questions and contemplate things, however if you aren't taking a hydro reading, you're making us specualte since we're not there. Even if it looks like it fell out, that yeast cake is still working for you. Patience...is a biotch.. If you transfer too early, yeah you might..might get a couple of more points especially if you suck up some of the yeast cake, but why not take a reading, decide to wait another few days to a week and then go for it.