I think that's why they made it an option. Some people are happy with the status quo, others want to move on. I'm one sikill point off my favourite build, so I will build again: but this time with slightly better gear. Personally, I think they should make retirement mandatory, say after level 35 you lose 1 att point (your choice), plus whatever skillpoints are associated (obviously not your choice). Kinda like real life. Of course I assume it would take three to four years to get that level, but if they made the exp per level necessary the same, say after level 25 (when you first might kill), then it would all be good. Or so thinks I.