I can start the game, but I'm afraid that problem from this topic will return after launching the game. http://answers.ea.com/t5/STAR-WARS-The-Old-Republic/Monitor-Problem/m-p/5650679#U5650679
I wanted to do, what you said and change refresh rate and resolution. I remember that someone said that his SWTOR was setting refresh rate 120... And my current monitor can handle 60-90 maximum, but it seems that I can't find "client_settings.ini" and change it. I'm believing what you said, that I need to start game/download full game. Well, after my download is finished I will post here, and later if nothing will help - I will maybe try to launch the game, but I don't know. I think I should just buy normal monitor, not this trash which I'm using currently, and then everything will work with no problem, but I have cash problems right now.
I have Windows 7 and I still have in documents SWTOR folder, but it contains only folder "Screenshots"... Im confused. ☹️