I think it's just waiting to unlock. If you run it manually in the $Windows.~BT/setup.exe you will get the error 'boot.wim' not found.
I guess once MS want everyone to install it, it will be uploaded/extracted into the directory.
Edit: Well im off to sleep. Happy refreshing all.
This waiting game is no fun at all. Can someone explain to me about the Windows Insider Program and how they get their free upgrade? I am a member of the Windows Insider Program, but don't have it installed on this PC. I did at one time. Just feeling confused!
Looks like most/all people who have received the full download have that error from what I'm reading.