i am much more like you too tt - the only thing we have actually bought is the car seat. we were given a moses basket and a wee towel and thats it.
i think i have always thought it was too early, and i would be left at the end having bought everything with weeks to go, getting bored. but now we went and spent a little too much on holiday in may, so are slightly strapped for cash - oops. think we might get the smaller things in july and just make sure we have ordered the cot and pram (paid for by parents and pil) before then.
i have to say - i'm fairly relaxed about it all. it could come early, but coming before july would be quite unusual, and if it did, i am sure lots of people would be willing to help us out by going and getting little things that we needed.