I can get away with it because Dr Lokin (ie my healing companion) is medium armor and cunning, IE exact same as me, so i can just roll for myself and give to companion on the sly. But no in seriousness whenever im in a flashpoint group if im the only IA anyway then all the cunning medium armor stuff comes my way regardless, so i never have to consider companion loot, and if there are others that can use cunning in my group (other IA's) then we work something out between us.