Recent studies have shown the surprising effectiveness of the small mass-ratio approximation (SMR) in modeling the relativistic two-body problem even at comparable masses. Up to now this effectiveness has been demonstrated only during inspiral, before the binary transitions into plunge and merger. Here we examine the binding energy of nonspinning binary black hole simulations with mass ratios from 20:1 to equal mass. We show for the first time that the binaries undergo a transition to plunge as predicted by analytic theory, and estimate the size of the transition region, which is $\sim 10$ gravitational wave cycles for equal mass binaries. By including transition, the SMR expansion of the binding energy is accurate until the last cycle of gravitational wave emission. This is true even for comparable mass binaries such as those observed by current gravitational wave detectors, where the transition often makes up much of the observed signal. Our work provides further evidence that the SMR approximation can be directly applied to current gravitational wave observations.
12 pages (5 pages plus appendix and references), 8 figures, 1 table. Reflects published version