When does it "nag" you, though? I don't think I've ever seen a popup or anything bugging you to pay. Sure if you open the trading post you'll see the cash shop window for a second, but other than that it's not as if this is SWTOR where it will either give you popup or giant cash shop buttons on things you're locked out from. Stuff like inventory slots are just normal locked icons and shit.
Yes, and they addressed the issue with bags overflowing with stuff starting with PoF, but couldn't make the new system (items drop in stacks of unidentified versions and you can dismantle directly or "identify" before dismantling) retroactive sadly. And to help address the tedium they made it so that you can salvage all items of a certain quality from a single salvage kit/salvage whole stacks of items at once. Also, you can easily and cheaply make Mystic salvage kits that stack up to 250 uses if inventory room is an issue. It's still designed to encourage you to spend on bag space/endless salvage kits, but it's still easily managable and the kits/slots are pretty cheap.
Same goes for harvesting tools and their respective permanent versions.
Legendaries? Whales can get them faster due to dumping gems for gold, but they're all earnable in-game and still require you to farm some shit yourself no matter what. People are always asking for new legendaries anyways.
Trying out new builds and stat distributions? This is standard fare for an MMO - you'll need different gear to try different builds. Not sure what your issue here is?