I'm sure this will open up a can of worms, but I am assuming teacozy's pediatrician is an actual medical doctor. I seem to recall that sassyfirechick's doctor is not an MD. That magical degree does add credibility for some of us.
If she has breast buds and pubic hair, you should make sure she is prepared for menarche. Talk about pads and tampons and cups -- let her pick out what she wants to have on hand.
Very lightly padded bras can help keep breast buds from showing through or rubbing against clothing.
My daughter was most familiar with cloth pads, since that's what I use. I bought her a selection of paper pads and cloth pads and tampons, and told her I would buy her whatever she preferred. She chose cloth: I was not involved with the decision except to answer questions (which is, IMO, exactly the way it should have been).