I'm a bit the same, which is why I didn't feel qualified to answer. I'd read everywhere that the puppy fluff should be plucked out, or handstripped but when I first took Humphrey (at about 8 months) the groomer said it wasn't really at the stage where she could do that, so she just did a tidy up with the coat king and scissors. She also remarked that the cockers often don't have such thick coats "these days", so I imagine they do vary....
Humphrey's now coming up to 15 months, I go over with a comb/elastic band once a week and that's got rid of most of the fluff and I've got an appt. with a groomer, who just does cockers, at the end of the month. She's adamant that clipping and coat king should never be used along the back, as it spoils the coat but As my breeder told us to buy a coat king, I am confused!! I shall ask the new groomer to explain it to me properly and will let you know how we get on! Sorry not to be of more help!