Right now, Palin has little money, no national advisors, and (like it or not) a hugely negative image to overcome among independent voters and even a lot of Republicans. Moreover, the GOP field is positively flooded, and may become even more crowded by the end of the month.
Now, if by January or early February of next year, it appears that core GOP primary voters (meaning Tea Party and conservative activists) have not yet coalesced around a standard-bearer, then things could get interesting - especially if the front-runner is someone like Romney (Heaven help us all). It might just create an opening for someone exactly like Palin to jump in and become an instant anti-RINO magnet. Even then: in order to have a chance, she's going to have to find a way to change many peoples' negative first impressions about her, and that will not be easy.
How do you say she has "little money" if there isn't yet a campaign fund to measure? She's said her campaign will be "very, very grassroots," so it's not likely you're going to be reading stories about the usual cadre of big money donors lining up behind her.
As for the lack of national advisors, (1) she's made it clear she won't be hiring people from inside the political bubble; and (2),you have no personal knowledge, nor do I, as to whom she is consulting with. Absence of evidence is not evidence of absence, as the truism goes. And winning over independents is a task for the general campaign.
No way she waits until Jan or Feb