I have three wine kits on the go right now, all of them in the
clearing stage or beyond.

First kit is a peach wine kit that has very little sediment on the
bottom. It has been clearing for the past two weeks.

Second kit is a pinot noir that has already been racked once since
clearing (lost nearly 1 gallon thanks to all the sediment) and has
already accumulated another 1" of sediment on the carboy bottom in the
past two weeks.

Third kit is a riesling that has just started clearing and looks to be
dropping a considerable bit of sediment as well.

All three of these kits I would like to bulk age for at least 6 months
prior to bottling.

Questions:

1.) At what point should I filter, if I choose to filter the wines?
2.) When racking, I assume I discard the sediment, even though it has
lots of wine mixed in there...?
3.) Will filtering reduce the amount of wine loss I'm seeing from
2)?.
4.) For bulk aging, how long should I let the wine sit on the
sediment? I'm paranoid about oxidation, and don't want to rack every
month!

This is where the kit instructions really break down, as they seem to
assume that most people go for the kits so they can get to drinking as
quick as possible.

Thanks in advance.