It will get down to 990 if you leave it long enough but you can stop it at 995 and it'll be fine.
I no longer use a hydrometer i wait until i only see one bubble every minute and then give it another week for the yeast to clean up after itself, i then rack, add fermentation stopper, degas and clear, if you use kwik clear or clear it (2 part fining) it only takes a couple of days to clear.
There is a thread in the wine forums where a member decided to ignore the yeast clean up bit of the instructions and he has finished off a couple of bottles and been fine, i was always told not letting the yeast clean up after itself can lead to your wine giving you a bad head and worse the ****s, the jury for me is still out on this and as i have plenty on the go all the time i will continue to do it the old way.