Nina, I notice this is going to be your first kiddo - perhaps give cloth a shot! We'd like to have at least 3, so the fact that I can re-use cloth for 3 kids is a big financial winner in my mind.

We have used disposables at times, and all I ever feel like I'm doing is emptying the bin! So there's pain in both, washing cloth or constantly emptying the nappy bin! I'm pretty lazy though, and cloth's been fine for me. Even going out, it's just as easy as using cloth at home really.

Plus, a newborn in cloth will usually be in a fitted PLUS a cover, which gives two lines of defence against those loaded newborn poos - I found that disposables often leaked on me in those solely breastfed stages, which isn't the end of the world, but pretty darned annoying.

You're pretty early on in your pregnancy, which is good, you'll have plenty of time to research and pace yourself with your learning - it can be a bit of information overload at first!
All the best, and keep asking questions as they occur to you.