I'm definitely the kind of person who needs to see the baby before deciding. Dumb as it sounds, I used to collect a line of Japanese dolls and every one of them came to me without names until I could see them in person and get a feel for their "personalities." So I guess that's just how I roll.
My sister named her daughter right as soon as she found out the sex. In her mind the baby "became" the name. So it works both ways. Everyone is different.
With my first I went to the hospital with a whole list of names for each sex and in the end she wasn't any of them! I'm still doing my list but being open.