In wet weather, particularly while it is raining ^^^
This may or may not be the case, it depends on many factors. It can be devastating on apples. And you sure don't want to lose a branch to it on a bonsai you have been working on for years ^^^
By this time it is too late and it is producing spores ^^^
You know, it is whatever works for you. What is your comfort level? I am always concerned when I see it in my neck of the woods. I have two hawthorn that are half the size they were a year ago because I waited too long. I would prefer to listen to someone for whom it has caused a problem before I followed someone who thinks its not a big deal. This is my take, mileage may vary.