If it has small roots, you can definitely cut the stem and plant it properly

Do not worry bout them, they will make it :) Let the chicks grow bigger if they are too small (you really should post a photo, not rots necessarily, but whole bunch). You could leave them as they are to grow a big clump, or divide. I pull the stolons off, they usually get off very easily (unless the chick just started growing - in which case it is too small yet). Stolons could be cut to about 1-1.5", just to stick in potting mix. They will wither anyway; roots grow from bottom of the plant as you noticed.

Here are some I got from a friend about 3weeks ago, still didn't have chance to plant - and they are just fine, sitting in a tray:

These are not going to be divided - they are small type semps, and I like how they clump:Antd these are in same container for couple of years, I only took off few to give away:And chicks here will stay until next year - I think they are too small to divide before the winter:I'll have to repot these - the containers are just too small (plants have grown and multiplied a lot. I think some bigger chicks may be separated:

If you are growing them in ground, I would recommend to just leave them. JMO :)

I agree with Rina, but the one reason to take them earlier than later, is that you want to multiply them faster than they normally would. if you take them too early they may not make it, or will be set back. You can leave them "forever", or take them only as the become crowded, which for me, too crowded=vulnerable to pests. So as mine start to look crowded like Rina's beautiful clumps, I may pull a few to create airflow, and multiply my stock more. A mama plant with no babies will make more sooner than a mama plant with many babies, being the general rule. A baby detached from mama will grow stronger and make it's own babies, provided it wasn't taken to early, is another general rule.

OK that sounds good! Mine only has 2 babies and the one is far too young still but I might clip off that other one since it's not in any danger likely