Actually, if you're densely planted so that the plants take up the ammonia, you are running what's called a "silent cycle" and can start stocking straight away, albeit slowly. It doesn't matter that the plants prevent such a large bacterial flora developing, because the plants mean you don't need one - only one big enough to mop up what the plants don't take. A flora of that size is what you'll end up with once you plant anyway; even if you build up a big flora without plants, once you put the plants in the bacterial flora will shrink because the plants are using some of the ammonia.
Well planted, moderately lit tanks with moderate stocking often don't have any significant oxidation of ammonia by bacteria; many owners of such tanks report that if their filter fails or the flow reduces to a dribble the problem is oxygenation when the lights are off, not ammonia or nitrite.