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I would suggest sitcking to quests and getting all those plans for free. You will also find a lot on the way on shelves etc etc.
When you are gonna complete most main quests and a lot of side quests you should have a lot of plans and at that point you can use your caps to swing by player vendors and buy some plans and if that wont do it for you, just visit whitespring. There are way too many vendors with all types of stuff so whatever is missing you can get it there.
A hot tip, if you are ever gonna browse player vendors, try to join a team they are in. Traveling to their camp while in team will let you tp to them for free instead of wasting caps.
Either that or become their friend which will let you tp to your friend for free as well.