See this, everything you just typed? This is exactly why SWtOR can fuck right off.
The only, truly restrictive thing in the game is the credit cap and it exists to basically keep the economy from folding in on itself. Credits are NOT are hard to get in the late game... I did like an hour's worth of dailies this morning and had almost my entire cap (I only started with like 4k). What does this mean for subs? It means you can buy virtually all of the legacy options with only a few days work. Want Hk-51 or the Ewok companion? A few hours of missions will get it for you. Race options? About the same amount of time. Rocket Boots? Get them for EVERYONE in a day. All with credits. If you play a lot, you could literally sub for a month once you hit 50 and you'd be able to buy most of the convenience and legacy stuff with credits within that month.
Now preferred (non-sub but bought something or old subscriber) do need to pay for a lot of the options, but the only MUST HAVE things are the Artifact Gear access, Operation 7-day passes (if you like to raid), Warzone 7-day Passes (if you like to PVP), and the Ship Mission 7-day passes (if you like the new ship pvp game). Some of this stuff can also be bought off of the Galactic Marketplace (AH) or traded between players. For instance, if you got a rare drop from a Flashpoint, you could have another player buy you what you want off the Cartel Market and they can trade it to you after 3 days.
They are also pretty good when it comes to actual story content. Rise of the Hutt Cartel and Shadow of Revan are only 20 bucks combined (you get both with SoR) and you get multiple zones of content from each, along with new daily zones.
So honestly? Aside from the the Artifact Gear and Credit cap, it's not THAT bad.