Adding to Marc's post... Characters who have reached Guild level two in the Priest Guild will earn access to Arcane Lore (i.e. the trait) Training. Completion of this training will in turn allow training in Artifacts, which is the skill used to determine whether or not an item is identifiable. Thus, you don't need a Warlock for identification purposes, as long as the character is a Priest guild member (thus the sole problem being dowry money).
Warlocks earn the Arcane Lore trait upon assuming the role...I guess you could think of it as a bonus, though you'll still have to pay for the Warlock training itself.
One thing I'm not sure of is whether identification success is strictly based on the identifier's Artifacts skill, or there is a random factor to it...though so far I believe it's the former, as in Wiz 7:CDS, and unlike in the earlier Wizardry games.