I said everything from your wife perspective

As I am too in process of changing from Tier2 ICT dependent to Tier 2 general. I had said my kids are my dependent financially.(Excluded my hubby) in my application.
I will say what I did. I completed my application before my travel. Did not submit it. Went to India. Submitted my application on the day I landed along with IHS payment and application payment. I got appointment next day itself at VFS center but since I needed couple of days to finish TB and Police Certificate. So booked a later date.
Where to submit online does not matter. When to submit (After your travel or before your travel)?- I personally feel this too does not matter. You can answer the application assuming you are in home country. But better be safe than sorry as there are no clear answer or cases of this on this forum to be precise for this query.
What is the point in completing the application and paying the hefty IHS fees upfront when you have other documents to be sorted

like Criminal Record clearance, TB , UKNARIC etc
I advice if you are sure to get CoS try to get UKNARIC through red route upfornt as it takes 15 days in standard mode unless you are trying to proved english skills by other testing means.