This was an option in Beta but they removed it. The only way to get more would be to farm the heroic areas on Tat or something like that.
Honestly, it's not going to matter. you will out level that gear in no time.
This is the problem with people. Not living within their means. If you are living paycheck to paycheck like that, maybe buying a video game should be looked at as more of a luxury and not needed.
Once you get your CD key from your actual discs and you input it in, you will then recieve your in-game items (most likely mailed to your character) on the 20th.
Looks like they are dragging out the last of November. When wave 5 started they stated "and another wave." they didn't say "last wave" which is a good sign of at least wave 6 to come. Hopefully more so the first week of december can get in.
Nov 10th was the cutoff because beta weekend was 11-11. I'd imagine there was a spike in preorders after that weekend and the weekend of the 25th (the second beta weekend). This next wave (wave 3) will probably be a smaller date range due to this. wave 4 will be up to 25th and wave 5 will be the last of november.