In general working Cockers have much less coat than show types, it's not as long or as profuse but in my experience solid liver coats seem to 'blow' a bit more readily and be fluffier than other colours. I have an almost 5 year old spayed liver girl whose coat is a disaster area if not clipped and a one year old unspayed (for now!) liver roan girl here on foster, the white bits of her coat are nice and silky but the liver bits are mostly fluffy and gingery, she's going to get a good groom at the weekend, I've been letting her settle in for a few days first but I'm itching to get her tidied up and deal with the fuzzy bits.
If/when you have your girl spayed you're likely to have some damage control to do afterwards. My spayed girl is a rescue and her previous owners kept her clipped right back so I've had to keep doing this as her coat is a fuzzy ginger mess which mats at the drop of a hat otherwise, however when she's clipped she looks great, I get them to leave her ears and feathering intact and just clip off her body coat. I would avoid clipping if at all possible though and try to manage the coat with tools like the groomit, comb and rubber band, stripping comb etc. I find the groomit very good, Tilly's coat has gone beyond being fixable with it but it does keep the fuzz at bay quite well in between clips.
This is her when she needs a clip, she looks like Tina Turner
And after being clipped, she looks really good and you can see her proper shiny brown colour...
My 2 and a half year old gold dog on the other hand has a beautiful shiny coat with silky feathering which hardly ever mats and never needs anything done to it. All I do is check him over after walks for ticks, burrs etc., finger comb through his ear and chest feathering every day and trim his paws once a month or so as I don't like the tufty toe look. His coat is extremely low maintenance but I'm often asked if I spend ages grooming him as he's so sleek
My 8 month old red girl is also sleek and doesn't have much feathering, she'll grow in a bit more coat as she gets older but she's not going to be a heavily feathered dog, she had a tiny bit of puppy fuzz at about 6 months old but it's gone now and she's very shiny and again doesn't really need any grooming at all save paw trimming.