I hope this doesn't come across as being harsh but I think you could do without most of the things on your list tbh. If you did want to buy all of them then I'd def look for second hand, or at least cheaper options. Obviously, if you've got the money then go for it, just going with what you've told us about money being tight.
Big items
Wardrobe £200 - Yikes!! I've got one of those canvas things from argos - think it was about £20??? But tbh DS has mostly toys stored in his, and DD has only really needed hers since starting school - it's nice to hang up her uniform and also her dressing up outfits that don't fit in drawers.
Changing unit £60-£100 I don't think you need one of these at all. Just a nice mat does the job, I had c-sections too so couldn't get down to the floor, but I just put the mat onto a table or the bed.
Cotbed Mattress foam £40
sprung £85 - no problem to go with foam.
Moses Basket + stand £50-£80 - I saw three at an nct sale last weekend they we're all between £25 and £30.
Medium items
Steriliser & bottles (I am planning on BF but will need to return to work quite quickly so will start expressing ASAP - looking at Tommee Tippee stuff) Around £50
Breast pump around £10-£18 in sales.
TBH can't remember how much I bought our steriliser etc for as it was a while ago now. They do come up at nct sales though.
Baby bath/support £15 - I have one of those plastic support things, I got it for £2.50 at an nct sale.
Monitor £40
Cot Sheets and blankets £30-£40
Sleep bags £10-15 each -def buy these second hand.
Baby carrier £25-£40 - something that you probably don't 'need' as such. I think you can easily make your own wrap ones try googling it.
Bouncer £20-£30 - look out for a second hand one. We still have our old one but I picked another up for free that a neighbour had left outside their house, going to take thins one to my parents.
Smaller items - to stock up on
Nappies - but what brand is best (there's a whole new dilemma!) - you may be able to get some washables free from your council. I personally prefer huggies, cheaper ones tend to leak and I always thought pampers smelt funny.
Towels (hooded) Approx £10 for 3 - baby ones seem to be tiny, we didn't use ours after the first couple of weeks. They are now my hair towels! I'd either buy ordinary towels or some second hand larger hooded ones, little ewe do big sizes and they seem to always come up at nct's.
Wipes - buy when they're on offer.
Bepanthen etc - wouldn't get any yet. You may not need any.
Cotton wool - buy on offer.
Lotion/bath wash/soap - again wouldn't get any for a while, plain water is fine for the first few weeks and you'll probably get given some anyway.
Muslin squares Approx £1 each (3pk £3 etc) A def one that you need!
Clothes (minimum)
Ask friends, I've just given away two bin bags full of boys clothes! Between just two of my friends and two nct's I have now bought all the girls clothes we'll need for the first six months at least. Also as someone else said have a look at your local sure start centres our always have loads of clothes, you don't need to donate any money. I think the idea is that you then give items yourself once you're done with them.
This has turned into a mammoth reply, sorry! Hope I've saved you a bit of cash though!