Housing always seemed like a late(r) game 'activity' to me because it's so costly. There really isn't much you can do with it at the time you get it, but having the teleport to it at level 14 is really nice.
Yes, I'm exactly the same way, very systematic with my questing. While I do usually enjoy exploring, I don't in the way that Wildstar presents it.
They really do have a ridiculous amount of vendor trash that drops. They could easily cut it in half (at least) and just bump up the values of the remaining grey items, but I'm assuming it's the way it is on purpose.