Many items for costumes are locked (it seems ) behind a wall like nemesis, gold and silver and others, the pet rock being the most stupid as you can only get it on a level 40. And really by that point a pet is useless, and my character is set with looks and such. In the latter they should not be behind such walls, and those items that are just cosmetic after a few years move them to an area that others who don't want to grind their brains into mush can pick them up to create characters and ideas.
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It is the gold tokens and higher rarity TBP and vouchers that can be a potential hassle to get.
As for the rock shop. Its exponentially harder than you think as you need alot of basic common rocks which are pretty much the hardest item to get in game. If it were not for that the shop would be relatively easy with patience or buying off the AH.
Some costumes can be had by alternative means such as drops from mobs or doing serial missions. The rest. Usually not.
As for sidekicks. Even for a level 40 they can sometimes be useful. Depending on the sidekick and personal taste/build approaches. Ive had a few instances where the sidekick was pretty much vital to finishing a mission for one reason or another. Though those instances are mercifully rare.
YMMV as always with this stuff.