I completely agree with you on this one, I love this game so far and have been doing a lets play of my time through the different parts and am only up to the junkyard but I found the points I invested on start up were almost completely useless making the game and fights so difficult I end up having to run back to the doctor 5 or 6 times every fight just to get healed, It really slows down the game, granted I edit the footage so others don't have to wait the extra 5 mins or more per run but would be great if you could give us a respec potion or a npc we can talk to that can reset our points even if its a one time thing perhaps after the first few main quest to allow those who clearly made a mistake to change without starting completely over. I know some games are meant to be extremely hard and not for the average gamer and done this way on purpose and if that's the case you are definitely on the right track as the learning curve is extreme but if you wish to open it up to more of the gamer community I think a starting build or a respec npc would be needed. I hate to even bring this up as I said before I am loving the game but feel most would not go through the countless runs to town as I have.
P.s I haven't quiet gotten to the point I understood a lot of what the post above was refereeing to and if any one out there reads this and wish to give me some tips on my build before its to late I would welcome their advice.
https://youtu.be/dzOcYpNENb0