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There's a guy on the Normandy, in the area by Garrus that sells them or there is a Turian that sells them to you on the Citadel, he's in one of the side area's by where you appear when you fast travel to C-SEC
The only thing other than licenses you might want to buy is armor types for Tali and maybe Garrus because they are rare, especially armor for Tali, but there is one piece of armor which you can get as a reward for a quest in Bring down the sky which is the best armor for her and i don't think you'd need to find or buy any another piece of armor for Tali as soon as you get this
So, I suppose just save your Credits and use it to buy the best weapons you can for your team (and yourself), and only pick armour that makes everyone look the best. Why? Because you'll be killing most of the enemies anyway, so that should keep everyone alive (including yourself). Plus, with your Spectre skill tree and proper investments in other trees (like first aid), your companions are covered in the health department (as are you). Just keep yourself alive and all should be good.
However, the loot can be pretty cumbersome (ammo mods in particular stack up), so if you're hard for Credits (and you inventory is filling up) just sell all of the worthless ammo mods to the guy on the Normandy. Anyway, I kinda rambled here, hopefully I made some sense.
By the time you reach the final parts of the story, you will have gathered everything you need.
Even the Spectre weapons aren't a necessity. You will do great damage even with regular ones. I've finished my insanity playthrough and I did just fine without them.
As for saving your credits, except for buying licences and upgrades, you won't need them that desperately. Their significance raises in Mass Effect 2 & 3.
Of course, that's just my opinion. Experiment with a couple of playthroughs and you'll see for yourself.
I hope I helped.
The inventory+shop system in ME1 is nearly universally disliked.
Besides, DLC that unbalances a game (Dead Space 2) is not something I'm into.
I've sold a lot of stuff I should not have, and actually have squad mates without any decent mods or ammo. Unfortunately, merchants don't sell much of that stuff!
Oops!