I just used baby oil gel on my tummy while I was in the shower. It's cheap (so am I
), easily available and I never got a mark.
Both times I finished about 6 weeks before the planned birth and I'm glad I did, dc1 arrived 2 weeks early and I had a UTI for the last month with dc2 and was buggered.
If you are a bit clueless, sign up for the nct emais. They are quite useful and all nct information is evidence based so you can trust it
.
As for buying stuff, I bought a travel system with carseat. We used the pram bit with a stand as the Moses basket. I bought 2 sheet and 2 blankets for our spring baby. 6 vests and 6 sleep suits. When DS was born we were given loads so don't go mad, try and save your money for your mat leave, you'll appreciate it when you are home with baby
.
About the other things you need are some Muslins, some cotton wool and some nappies although a baby hoodie would be useful (and so much easier than a coat or snowsuit). If you are thinking of getting any books for yourself have a look first at kellymoms list of books to avoid.
As for feeding I didn't buy anything although I read this book before having dc2 and I really wish I'd read it before having dc1! How I looked on it, I'd try bfing and if it didnt work out I'd get bottles and formula later. If you are thinking of bfing all you really need is a couple of nursing bras and some breastpads. No need for any bottles, formula or steriliser, in fact research shows that if you have bought these whilst pg, you are more likely to give up on bfing.
Millions of breastpumps are sold worldwide each year that are never used too. if you do bf and want to express you can hand express or buy a pump when you need one. As long as you live reasonably close to a 24 hour supermarket or chemist and not in the outer Hebrides you'll be fine, just put the Bfing Helpline numbers in your phone and read preparing to bf. Like the nct, kellymoms information is evidence based 
Try to find out where your local bfing groups, aqua and postnatal swimming, pregnancy yoga or Pilates, playgroups and nct groups are while you are pg. You can go to the groups while you are still pg, you don't have to wait until Lo arrives, ask what is running at your local children's centre too.
Have you thought about courses? Has your mw mentioned the NHS ones, if you are lucky enough to have them in your area that is?
Sorry for the rather enormous post but I hope it helps 