when to test

I went off the pill in December and got a solid smiley on opk last Wednesday Jan 4. We BDed day of and after.  If I was still on the pill, my VERY regular period would have come Wednesday-I had slight spotting and cramping today but nothing else (10 days post ov). Would you consider me late for AF? Should I test? Or wait and see if she's late only because of coming off the pill?