I agree. The first sight of any single banana ripe I pick the whole thing. Unless you want to deal with squirrels, possoms, rats, bats etc. They ripen just fine in the garage/indoors. I've noticed no difference in cutting off the remnants of the flowers after banana set. If you do decide to cut it off, cut as far as possible from the closest hand (I've noticed creeping rot as the stalk dries out). Carefully cut the hands and allow em to "bleed". In most of the Caribbean Islands we let em soak in bucket of water till they stop bleed. The juices stain clothing badly so wear old clothes you don't mind losing.