i have some that i have had for ~6 weeks and thats why i decided against submitting them. it kind of sucks that they hold that against you. it puts broke people at a disadvantage. i would have loved to submit all 20 of my secondaries ASAP, but i can only work on weekends which added up to being able to afford 1-3 secondaries a week.
i dont know. i dont think now is TOO late- judging from other threads i think a lot of people suffer from the ohmygod-did-i-apply-to-enough-schools panic and add some last minute ones. i bet they get a wave of apps before the deadline.
also, though. i have to wonder, if schools are so busy they can barely complete people in under a month, do they really notice if you sat on your secondary for one week or six? if they like you, will they really care? (i dont know. maybe the answer is yes.)