EXPLOITER!
admit that you just did it for not paying upkeep
I think the respec option is a fine thing, but I would like to see it a bit based on your lvl.
When you are lvl 28 and you lose half your xp it's not really a matter, because you will still be lvl 24/25 after that.
But when you are for example lvl 32 or higher and you decide to change something about your build, then you will drop down almost to the beginning of lvl 31 or something similar, which really sucks as it takes ages to lvl that stuff again :/