First of all, thank you for the replies. I'm encouraged to receive feedback so quickly and for it to all be helpful. That speaks well of the community.
And I bought the full version of the game, used the registration code in my account page and installed the additional updates that come with that. So I'm in the full version, as far as I can tell. It came with a free month of subscription, so I haven't inputted a credit card yet, but I can if that's necessary to fully unlock all the features.
Be sure to use the icon that tells you what you can equip and then gives you a 'ok, do it' button. It's above your picture when you look at your character.
And I'm still in my race gear except for a pair of boots I got at the beginning of Dressed for Call. It's all showing as level 1 gear so apparently it's not sufficient.
If the answer is to run side quests, I'm happy to do that. I only avoided them because I was told they were a waste of time. I'm not in a rush to get to endgame.
Thanks again.