I always wait, but then I usually fly down a day early. There are two schools of thought here. Some say put them on before you fly, that way if something is lost it can be tracked by the cruise line too and forwarded to the ship if possible. I think that makes more sense if you fly to the ship on embarkation day.
But since you have enough tags, the answer is simple. Just do as you said - put them on at home and replace missing ones if needed.