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Both Tribunal and Bloodmoon are stand-alone additions and you won't be missing out on anything if you don't install them before you've finished Morrowind. Keep in mind that you can finish the main quest of Morrowind and the game doesn't end as it does in some games; you can just play on. As Kakero said as well, both expansions are substantially more difficult than Morrowind and probably best left until you're quite a high level (eg over 15). They also give you access to better equipment that could unbalance the game making it too easy for you to complete the Morrowind quests. Really, the only reasons you'd want to install the expansions is access to merchants with more money (but again, you could argue that unbalances the original game since it was designed to stop you from getting too rich and buying all your training), and the fact that when you install Tribunal, it upgrades the journal and takes a very loooong time (seriously - it took my computer about 40 minutes) to complete when you have a lot of quests in it.
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