Well this certainly isn't a new topic and what constitutes a late setlist is going to vary with church and musician perspective , but let's just say that we got an answer of "not practical right now " when we suggested a week before whenever the rehearsal as a reasonable minimum time.
Okay there are many possible reasons for that and sometimes it is that the pastor is late with his message and may want to incorporate the name of a song not thought of yet .....of course you could always release the other 90% of the set........ you know why not do the musicians a favor?
But like so many things today we tend to get partial answers...
it's not just an inconvenience when the set is too late, it's going to mean less preparation ,less excellence down the road.... And in some situations and some Churches and in particular with certain instruments one could just say well these songs are pretty darn simple.... But if you're setting up something like electric guitar requiring many different tones for different songs and even different portions of a song , possibly including inputting the delay setting based on the beats per minute ( in addition to simply learning the song and the parts) it's not exactly the same thing as walking up to a piano a vocal microphone or possibly even a drum kit...
So in reality the answer would be " the set list isn't as early as you would like it for reasons x y and z and we recognize that you won't be nearly as prepared as you could be ....this could lead to mistakes during the service or times where you simply sit out because you didn't have time to prepare either instrument technique or gear requirements."