Personally I think if you're ready to print, you're ready to tone, and no print is finished until it's toned. Even if you don't want a color change, selenium and sepia toners (and gold but that's expensive) improve archival properties of the prints, and using them is quite easy. But that's just my view.
Toning prints is not necessary to learn in order to learn how to print. It's an extra step that isn't necessary. If you really want to tone them, it can be done even a couple of years down the road.
"Often moments come looking for us". - Robert Frank
"Make good art!" - Neil Gaiman
"...the heart and mind are the true lens of the camera". - Yousuf Karsh