Yep, me too. I'm absolutely shameless with use of the transpose button. I'm okay with keys C, D, E, F, G and A and their minors, but I flounder to varying degrees with the key of B and any of the # or b keys and, as DonM says, it's better not to stray too far with the transpose button.

On my Korg the transpose shifts in semi-tone increments and it does wait until the chord change is made before it transposes.