I don't do that either because I dont trust Bioware to get the authenticator working without problems.
Bioware, I am disappoint. Give us the customizations without security key.
IOW even free is too much? Lazy much?
You can easily have the authenticator turned off as long as you know the answers to your security questions if it doesn't "work without problems."
And the problem with Togruta is that they don't have a skin mesh so they can't be very flexible about clothing. I guess Lucas never told them what they looked like under the robes so nobody knows what skin color they have since only tatoos are shown. (personally I would just continue the tattoo pattern all the way down, but they didn't do that)
The skin mesh on characters tends to include the permanent underwear on SWTOR. (it was often changed by mods in non-online BW games)