Crusty, cracked nipples at 9.5wks?

So my newest pregnancy symptom is cracked, crusty nipples with a hint of yellow at the tip. Looks like dried milk. Seems crazy for the milk system to be so developed at only 9w3d! Who knew it'd be ready for testing; )

Anyone else experiencing this? I just coconut oiled them - hopefully that helps. Will make sure to keep them extra clean and dry - I have a dr appt in 1.5 wks (11 wks) so I'll definitely ask my dr then. Just curious if I'm alone?