why do people wait?

Why do people wait until the very last moment to get what baby needs? Alot of people wait until the baby shower to buy their babe clothes, crib, carseat etc. Why? I feel like waiting 36+ weeks to buy everything you need is going to be expensive. Not only that but, what if baby comes early? I went to a shower last Saturday and the woman was having actual contractions but literally had no clothes, or anything. She literally said if baby decides to come at least he has clothes now, but only got 2 sleepers and a few onesies. Am I the only non last minute person? I literally had everything I needed big baby items before even knowing my gender. started getting all the clothes she needed after finding out she was a girl. There's just a bit more stuff I need that Ill most likely get at my baby shower, and if not isnt going to cost me over $100 to get.