When to start buying baby stuff

Im currently 21 weeks, already know the gender, when is the best time to start buying baby stuff ? I scared now is like too early to start buying as im always paranoid something might happen if i buy too early. But i alr list down things to buy. Thought of buying most of the bigger stuff (stroller, car seat, diapers, pumps etc) in JB. And the rest of small stuff like baby clothes just buy online. Is 28th week too late ? #firstbaby #advicepls