I agree with it. If you want to go with multiple XML site maps so you have to wait after submission.
I have very good experience with multiple XML site maps.
I am working on eCommerce website and submitted 24 XML site maps to Google webmaster tools.
Just look in to multiple XML site maps for Lamps Lighting and More!
You can see that Google webmaster tools shows very few index URLs.
I have similar experience for my another eCommerce website where I have submitted 7K+ URLs and 300+ indexed by Google with in 15 days.