I think that if you do all the side missions and the story missions, then by the end of the game you have almost all the upgrades, without having to buy any......AFAIK the ones at the shops are freely available during some missions too, and some at the end of the missions.
But then again, there are so many upgrades that I might well be wrong.
Edit:
On a different note, I just realised that the way ME2 focuses on Shepard's face many times throughout the game dialogue, has a lot to do with how one actually feels attached to the character.....And I realised that in Dragon Age, save in a few precious cut-scenes, there isn't a single place where the player character's face comes into focus....I don't know what my Cousland nobleman looks with his mouth open :P
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