Nah, I've respec'd a dozen times and only received upkeep at level 26. I do it to change builds frequently as I get bored of any one build, and it works well with market trading. I'm quite poor (have one mw item and small change), and not paying for upkeep I'm making maybe 5k every hour of play. Compare this time invested to earning 9M xp points and selling your heirloom point for 600k straight away, and you'll find it's more lucrative to not respec and stay as a plated dragon rider (to keep your multi up). Besides, having 18 agi at level 25 means your str is around 15, and all your points are in riding without much prof to spare, so you're basically a peasant on a big horse. Easy to take down and easy to kill.