Once you build an "over the air" upgrade capability and a fail-safe mode (unlike my Android phone, thanks for nothing G & S) you can do it
But the software, as far as I know, is very modular, so this could be only an upgrade of some modules
Edit: by RTFA this looks more like a replacement rather than an update, like, making usage of all the landing software space since this is not needed anymore.
I was gonna say the only reason I can think of to not load the software before it takes off is because it isn't finished yet. I'd imagine memory is pretty small/inexpensive even if it has to be specially fitted to get blasted across the solar system and work next to a nuclear power plant.
Cassini launched before they had finished writing the software needed to enter and tour the Saturnian system. They finished writing it while it was en route and uploaded it prior to arrival.