I agree, thats way to limited.
Just fully "arming" a T5 cruiser alone would take 108 days aka more than Three and a Half months! And that just isn't acceptable.
I am just glad I took the time on Holodeck to max out a crafter for both Fed and KDF. I may not be able to aford the Dilithium gear, but I can craft decent gear on Memory Alpha. Pitty I don't have a crafter on Tribble. At least I can farm feature episodes for simi-decent gear.