do you wait to get close to text complete or do you start working on layout sooner? im working on my first project that's gotten to the stage where i wanna take this step and i want to know how other folks handle this transition

do you wait to get close to text complete or do you start working on layout sooner? im working on my first project that's gotten to the stage where i wanna take this step and i want to know how other folks handle this transition
So usually when I have all my text, I format it into 2 columns with a word processor. That's the final step in completing the draft that I will be sharing with friends for comments and feedback. After that I start fiddling around with layout if I want to add a background or play around with font.
I actually start with Layout first (which has a lot of cons, but some pretty great pros) - The main reason for this is ensuring all the info that I want together (eg in the same page or same spread) will always be together. Then I curate my writing to ensure it'll fit where I need it to. This comes with some very serious downsides (specifically if you're planning on hiring an editor or need a plaintext copy of the rules) and it much more time intensive, but for me the results have been well worth the trade!
I purposefully chose not to start with layout since I've seen so many people say it's a mistake, but that would have been my first instinct as well! I like what I have written rn but I'm to the point where I have a few sections written and I'm definitely starting to think about how it'll all fit on the page.