Very prepared and is there any such thing as too prepared? pfft. Don't listen to your family
We had most stuff sorted by 24 weeks and now I am glad we did. I don't want to be mucking with it now, I want to be focusing on other things.

One thing though - as PPs have mentioned - think about whether you will have a baby shower or not - mine was a late decision and people are now asking me what do you need...and I am saying nothing, really

- also with the clothing, not sure what sizes you have, but i am leaving the tags on mine until bub is here in case we have wrong sizes (or colour...maybe it won't be a pink baby ) I figure it will not be too hard for DH to throw it through the wash after bubs is born, before we come home. Maybe have a couple of outfits ready and keep the rest JIC until you know if they are what you need or not.