You use up refund points, you have a max of 24 refund points, but you earnt ehm back at 1 point for every 100xp (or close to that).
So while you can't save more than 24, you can earnt hem back, each change you make cost a refund point.. (each click that lowers a skill).
Edit: So to clarify, you don't lose any of your skill points.
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