Maybe water is affecting the size of garlic in my greenhouse too - since I normally never water what I planted outdoors (okay once or twice in really dry weather, I have watered.)
@biscuitridge, in a wetter climate or season, you can't always go by number of leaves. If there happens to be generous moisture toward the end of season, those leaves will stay green even when the bulbs are ready. I was advised to count the browned tips as well, and to reckon the overal brown vs green leaves looking towards 1/3 green remaining or as much as a half in wet weather. IMO your peeled bulb looks like the cloves are starting to separate from the stalk, and that would be a sign they are fully grown and are going too far and losing the storage wrappers you need. So if I were you, I wouldn't leave too much longer.. 2 cents.