I have. Mosley in his last several fights is not the Mosley of lower weights in days bygone, but he's still a fierce competitor, and there's a reason damn good analysts have picked him as one of the guys with a shot to beat FMJ at 147 even throughout these later stages of his career.
Cotto will out work and knock Williams out. Look what Margarito did to Williams. Williams refused to give Margarito a rematch for a very good reason, Williams got his arse kicked. Pavlik Vs. Williams is the fight to see.
He made errors in judgment, sure, but I think at the time he thought his gambles would pay dividends. I don't think he checked out mentally, just took a shot in the dark.