I have yet to use a commendation vendor for really anything in terms of mods or gear and at lvl 26 already have an orange level chest, legs, gloves, and head piece all just from drops and flashpoints. The bigger issue to me is the crew skill schematics you learn from the trainers costing so much along with your class skills as you level. I am broke more often than not from just leveling up and having to upgrade my skills and pick up new ones, not to mention the cost of training for speeders. The only time I have ever had an abundance of credits was just after clearing Tython because I used only drop/quest reward gear and only bought a few medpacks and stims along with my skills. I got to the republic fleet with roughly 10k credits after doing that, but after picking up crafting skills that was quickly blown through.