Fuzzysaurus Rex
Golden Fuzzy
I was in the same spot. I did as little as possible until I got terraforming, but I only had one idea for what to do first: I wanted my house on a cliff/mountainside up in the corner. I had fun doing that but for now, it's mostly done (until the rest of the island takes shape). I meandered around for a good while because I couldn't figure out what I wanted to do exactly. I had a vague idea, but nothing concrete. I ended up designing a spot for my (current) favorite villager, made some pathways around it and started making a little shopping area where all my shops and museum could sit. I'm liking it so far and I plan to expand outward from here. My advice would be to just pick a spot or two for the most immediate needs to build first, like your home/shops and expand outward slowly in chunks, one at a time instead of trying to pre-design the whole island.