Stretch marks question

Hi ladies!

I’m 36 weeks today and have been able to avoid stretch marks so far. How common is it to get stretch marks after 36 weeks? Do they often show up when baby engages/drops? My baby hasn’t dropped yet and I’m worried about stretch marks. I’ve made it so far without getting any and I hope it will stay that way. I know stretch marks is nothing to be ashamed of and I don’t mind them on other moms obviously, but I know it’s something I would feel insecure about when it comes to my postpartum body :p