The reason that they say fifteen seconds is because the blood 'begins to clot' after fifteen seconds. One second, five seconds, even fifteen seconds are safe. I doubt that you'd get a different result if you test any time within that fifteen second window. If you wait more than fifteen seconds, in theory, your INR would be somewhat lower than a blood draw would be. Imagine waiting a minute for testing, when your blood has done a significant amount of coagulating -- I'm not sure WHY they say fifteen seconds, or if 20 seconds would pose a problem, but it's safe to stay within the fifteen second rule.
Also - if you can't get a large enough drop within fifteen seconds, don't try to get another drop from the same incision - some clotting factors in your skin can make your INR test lower than it should.
If your initial test fails, for one reason or another, use a different finger for each successive test.
(A few years ago, when I was doing comparison testing of a few different meters - CoaguChek XS, Coag-Sense, InRatio, and sometimes Protime3, I ran through three or four fingers for each test - being certain to use a different finger for each test, and trying to get the testing done on each machine within minutes of the other machines. I did NOT try to get a second drop from ANY incision).
And, FWIW, the lab results often DON'T match the results from the meter -- the standard is that meter and lab are within 30% of each other's value.