Yes, having a personal ship will be AWESOME!!!
I totally believe that they will allow us to customize it fully, because they said each ship will match each specific character.
I'm not really sure what level we'd get the ship at... I don't really know how you'd be able to tell what level you'd get anything at, but i'm sure it's not entirely level based... Probably once you reach a certain point in the storyline you'd get one... I mean, in the other KOTOR games you were like level 8ish (if memory serves) when you got your lightsaber, but that was if you didn't save levels and stuff haha.