You don't need ten hours for the endorsement. PPL's can and do get the endorsement. You need ten hours for the CPL. You should get the endorsement before the CPL checkride (no reason not to with ten hours complex time), but I don't think the actual endorsement is required to have a CPL. Technically.
But you do need ten hours of complex training (ie dual) in order to take the CPL ride... the endorsement is not enough if you don't have ten hours.