The money is a bunch of things really, traders not paying as well, things cost more, and you wont find as many freebies lying around, so its harder across the board.
I can certainly understand you want to give it a go as is first, but trust me, if you are just half the scavenger i am when playing an RPG like this, and it sounds like you are, you will very soon have amassed a vast fortune in 1.0, way more money than you can ever use, and that whole aspect of the game just plain dies.
Its much more fun in the patches, where money actually means something, and you have to put in the effort to get it.
There's also Trader mods to considder when you get that far, since even after the patches, you can quickly grow very rich, not because the game throws money at you, but because none of the traders sell anything you want to spend your money on.
They range from letting you buy anything and everything, to the more conservative and realistic, so that will also be worth a look down the line.
As for the Garbage camp, well, there may be mods that makes sure attacks are less frequent, i haven't seen any, but considdering how many people dislike thouse missions, it would seem likely that someone has made it, its worth a look.
But the 1 day thing will get on your nerves soon enough, as sometimes you can get wrapped up in several missions in a row, and if any of them has the 1 day timer, you have to rush though it all to try and make it back in time, it really messes up your chances to find cool stuff in areas you are unlikely to return to.