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it's usually best to wait till near end of game(i'd say after you rescue Nanako) but if you're going for the perfect ending you can wait to Feb. while waiting for the "Rescue Marie" side quest and then you might have characters for on their lvl 3 persona( Chie's Dragon spirit= GAME CHANGER)

I had main character, Yosuke, Chie, and Yukiko all had their 2nd persona forms so the all had evade ice/wind/fire(some say to use Noato since she has no weakness) the great thing about P4G was the skill cards, my characer was a boss!!! my Izanagi null physical, regenarate 3 and "restore SP3"

and make sure you control everyone; though the AI is smart, they sometimes will make a not so smart decision.