Do I think the stable customization options are a little high? Sure. I think they should overall come down about 20% or at least make sure none are above 90sc.
But also at the end of the day colorful stables won't change your gameplay. Its not pivitol to the storyline. I can honestly say I visit my stable for maybe 5 mins anytime i login, and sometimes not at all! And I doubt that will change by me changing the colors of it.
They gotta pay their employees and there are options to get it with shillings. No one is putting a gun to your head and making you buy star coins. They're giving options for it to be fully at no cost to you.
It's always easy to want to buy something *right now* because it's new, but that's on the individual. This isn't timed. It's not going anywhere. You can save up.
