I agree with Benjamin. It seems contrary to the spirit of the game to force players to have to go to the chapel as soon as they have met the requirements. What is to stop players from simply NOT doing so? After all, hearts, gold coins, and gems are all hidden knowledge.
Also, it allows for players to tailor the game more to their tastes. Do I want to take the risk with what I have or do I want to try to mitigate the end game "luck" factor by collecting more items?
I would have to agree with Dirk because the rules are pretty clear, that as soon as you collect 7 and 7 you return to the castle. If a player wants to collect more resources before going to the castle he can always wait to collect the 7th item he needs at the very end, when he is ready to go to the castle.