DDO doesn't have a traditional MMO "Endgame". As I understand it this is by design because DDO has True Reincarnation. In no other MMO I've ever heard of does an MMO force a character to pay in order to participate in the Endgame. They create Endgame to encourage players to continue playing their game. I understand that TRing makes a character (slightly) more powerful, but the downside is already that there is an increased XP cost to level. The current "reward" of TRing is not so powerful that it necessitates a high barrier-to-entry - anymore than you should pay for a traditional MMO Endgame because you acquire gear to make your character more powerful.
If DDO is going to charge (either in-game grind or $ in the store) for access to their endgame, and the player doesn't want to pay, what is left to the player but to find another game? This strategy doesn't make sense to me.
I will NOT grind Sagas to receive Commendations. Grinding is not how I play and I would bet that most players also do not grind. I also will not pay in the store for a Heart. I was OK with the Tokens of the Twelve being traded for a Heart because they were relatively easy to get, but ultimately I don't understand charging anything in the first place to play "Endgame" content.