Pull 2 of those habaneros and take a couple big bites from each. If you're not crying in 2 minutes, they're not hot enough.
Peppers will grow to their full size and then change colors as they ripen...sorta the way a banana does. You can pull them when they are green or you can wait until they turn (red, orange, yellow, etc.). Most folks try to pick them just before they turn colors because at that point they aren't getting any bigger...others like the taste of a more rippened pepper and will wait for them to turn.
Let's make some salsa, pico de galo, etc. Good stuff, just don't use those tainted tomatos.