Grains can definitely be harvested early. Will Bonsall has some interesting thoughts on that in his
gardening book for wheat. Interesting because I have previously read about the superior flavor of
land race wheats hand harvested. Will has actually hand harvested his wheats does so routinely and recommends doing so early for superior flavor.
Wildland seed collectors sometimes have to harvest early to avoid shattering, insect damage, or another trip to a collection site; as travel and time spent not picking are wasteful. One of my mentors said that the "soft dough" stage is acceptable.
Joseph has mentioned that corn harvested in the
milk stage is viable. I've also read this from other sources including a survivalist post on how to get vegetable seeds in an emergency. If you wanted to you could save an ear of raw sweet corn for seed. Note: some conventional sweet corn is now GMO, so please don't do this with random grocery store corn.
There are some distinctions to be made though. When pulling a whole plant at least some of the seed may be able to ripen fully and perfectly.
Then there are issues of seed quality and here I will make an argument for harvesting seed perfectly. Much of the seed we buy is harvested early and is of relatively poor quality even if the germination rate is high. Carol Deppe writes about how we can grow better seed than we can buy. That's because in our gardens, with care, we can harvest it to perfection. So the big problem with poorly matured seed is going to show up as longevity issues where seed that
should store for many years only lasts a few and poor seedling vigour.
That said when doing an adaptation breeding
project for a crop you could not previously grow and you get some half viable seed as Joseph has written about for
Landrace Plant Breeding I believe the correct and technical term is: Woohoo!
Also if the weather is going south and you will otherwise loose the seed crop by all means pull the crop or do what you must to save the seed crop. Or if you are out in the wildlands and the seed is ripe
enough but you know you will not be back again at the perfect time, harvest some now.
With wildland seed these seed quality issues are important and often overlooked. Many wildland land managers save their seed for a long time without regard to how it was harvested. If you harvest seed early make a prominent note to use it promptly no matter if it is wildland or horticultural seed.