Some PGA tour professionals don't get their full wrist cock until they actuall transition down into the forward swing (Check out JB Holmes hitting a driver Lucas Glover and Jim Driscoll). Camilo Villegas actually has about 75% (maybe more) of his wrist cock just as his hands pass his right thigh.

Cock 'em early, cock 'em late, cock 'em somewhere in between... just make sure you uncock them and release the clubhead through impact and don't suffer the timing issues that would result if you don't.