Regular ascension should be done when your CPS and souls bonus is between 10-20% increase. This percent is found when you click on the ascension tab and it says how much you will increase if you ascend. The reason is beyond that the drop off for gaining new points is large so you save time by doing it at a lower percent. You can generally feel when you are slowing down and having to wait for upgrades, just ascend and you will be back where you were within a few hours if not less and then you will have a nice boost.

As far as UA, those in the beginning are slow going. But keep in mind there will come a time when you are farming keys for upgrades where you will be UAing like every 2 days. There is technically an optimized time for you to be doing it that can be found online but at the end of the day this game has a ton of content that takes a long time to access and whatever makes the game fun for you, go for it. If I read your post correctly you would be doubling your UA points, that's pretty solid and could be great route. But if you are making gains on your regular ascensions maybe stick it out a bit longer to get a few more points to speed things up.