What are my rights regarding a potential baggage delay?

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What are my rights regarding delayed baggage?

Finnair’s baggage policy states their liability for baggage delay is limited to 1,131 SDRs (approximately EUR 1,200). The air carrier is liable for destruction, loss or damage to baggage up to 1,131 SDRs (approximately EUR 1,200). In the case of checked baggage, it is liable even if not at fault, unless the baggage was defective. In the case of unchecked baggage, the carrier is liable only if at fault. If the baggage has not been insured for its full value the passenger can benefit from a higher liability limit by making a special declaration at the latest at check-in and by paying a supplementary fee.
How much wait time is acceptable?

I could not find a definitive answer other than the timeframes in (3) below
How do I enforce my rights?

Finnair’s baggage policy states that if the baggage is damaged, delayed, lost or destroyed, the passenger must write and complain to the air carrier as soon as possible. In the case of damage to checked baggage, the passenger must write and complain within seven days, and in the case of delay within 21 days, in both cases from the date on which the baggage was placed at the passenger's disposal.