Darn, I missed this post.
I'm talking about lesser hearts specifically - an in game respec should be available via in game means and to me that doesn't mean indirectly via ground out TPs.
Re astral diamonds, you can buy a ship without astral diamonds, but the best ships in each class cannot be bought without, and Astral Diamonds - to date - cannot be earned in game. Happy to see this and the above is changing.
Reaver ring - didn't know about it, thanks for the clarification... but the anti-mummy potions consumables are not. Don't know if that's changing, I hope it is, I'll be a very happy bunny - not because I want them, but because of the principle.
Bank slots - you can earn an extra bank bag with favour. And you can buy another slot with TPs. This extra slot should be available via further favour grindage. Whether I need that space or not (I don't) is not the issue.