Some people like to plan well ahead and be organised, others leave it to much nearer the time.
Some people have to plan ahead because of the expense of it (or potential expense).
Some people choose not to bother with it at all.
Then there are some who have stopped buying Christmas presents because they don’t know what people would like or can’t afford to do it any more.
Some people love to trim up early, others prefer to wait, some don’t trim up at all.
Some follow the religious side of Christmas.
Some people don’t get bogged down with all the commercial pressures to buy expensive gifts, expensive food and to generally over indulge, others seem to like it.
In essence, Christmas is different things to different people, and always will be.
I do think it is very sad for people who dread the season, either because of personal loss, family fall outs, the expense, the expectations which can then fall far short, (so many of the adverts promote a totally unreal version of Christmas, for example), and the overall pressure.
It has become a huge commerce fest in some respects and it is very difficult to step back from it and say “enough”.
I love the religious side of Christmas, it is important to me, and I do like to prepare a special meal for Christmas Day, decorate the house and tree and buy my OH a gift, but I refuse to be blackmailed by the onslaught of over commercialism enticing me to spend, spend, spend, which can cause so much heartache for so many.
Going back to the OP, I think people asking you if you are ready for Christmas is just general chit chat, rather like asking if you have anywhere organised for a holiday in the summer, or any nice plans. It might seem early to be asking, but as the shops have been so full of all things Christmassy for weeks now, it’s hardly surprising to have the question asked at the end of November.