About dry hopping ales being appropriate too: I in act think dry hopping lagers pretty much kills the subtleties of a lager and is in fact inappropriate, and should only be done regularly with ales. English ales are the originally dry hopped styles.
That said, you might find a dry hopped lager is perfectly to your liking and I'm not trying to say that you will like or dislike things the way I do.
Regarding waiting times: if you listen to what many award winning brewers do, they don't hurry to get the beer of the yeast unless it's a very delicate style. Even with lagers at cold temperatures there is really no hurry to move the beer from the yeast sediment. You will eventually want to, but the time scales are a bit more lenient than most people believe.
If you have some measure of temperature control it can be good to lower it a bit for dry hopping but not much. For example I just fermented a summer ale with a Kolsch yeast. I brewed on a Saturday, and put the wort into a plastic fermenter overnight to chill to 14 degrees. I pitched the yeast on the Sunday morning at 14 degrees, and allowed the temperature to gently rise to 16. After the beer had fermented for 3 or 4 days and the majority of the activity was finished I bumped the temperature up gradually to 19 degrees and held it there till the beer was mostly clear.
The extra 2 or 3 days warm allows the yeast to do two things: get the finishing gravity down low enough (I want this beer to be DRY) and reabsorb its fermentation by-products (diacetyl, acetaldehyde, some other bad flavour compounds). Tomorrow I'll be lowering the temperature again to 12 degrees by putting the fermenter in my cellar, and at this stage I'll taste the beer to see if I need to dry hop it. I'll leave it in the cellar to drop clear of yeast till the weekend (4-5 days).
I have something else in my secondary fermenter and listening to some of the brewing podcasts (
Jamil's and
Basic Brewing Radio) you'll hear recommended to let the yeast have enough time to finish the job if you want the best beer.
Hope this helps.
MFS.