Hi @MegEmski
Thanks for sharing your personal situation too.
I completely understand about halving the income (which was already a decision I had made and expected would be ok for awhile due to the relocation). Of cos now with bub is coming along, we all naturally want to contribute what we can to make bub's life/family life more comfy all around.
My husband and I don't really have an extensive family/friends network here either (everyone is everywhere around the world) so we most likely have to buy everything first-hand. (I am comparing this to my extensive network of family/friends back home who have had babies and generally always swap/exchange/hand-me-down certain items)
We will just go along the ride and see how it goes. 
@Minkies13, firstly, a huge congratulations!!
And so nice to know someone is new to the UK too. I'm from Singapore, so not too far from Australia. I know what you mean about NHS, I'm still figuring out how it works too.
I'd be honest, I am even still adjusting to the weather, I come from the tropics and everyday 30deg sunshine, haha.
Back home, we get (relatively affordable) private care as a citizen and also options for subsidised care.
Not forgetting too, over there, I was also earning my own money with citizen privileges in Singapore that would allow me to be alot more independent/efficient in making decisions (such as should I go for a scan?) compared to here where I'm still sort of setting up an identity, quite reliant on my citizen husband, etc if you know what I mean. Back home, we choose an ob-gyn and get scans as soon as 6weeks.
NHS is different though with the booking appt that they allocate to you (8-10wks) and the standard scan at 12wks but I want to appreciate being here for new experiences, and hey, maybe it will teach me (& the baby) a sense of different independence! (We are quite mollycoddled in Singapore.)
From our scan, everything looks positive so I try to focus on the
good and not overly worry. My husband has been a star so far so that's a positive too.
@LMX0, thank you for your encouragement!
And thanks everyone for letting me voice my thoughts here for a bit.