Idea I've just had: the ability to save and load "builds"
You would be able to save your current character setup and give it a name, this would add it to the list in the window.
Then, anytime you want to switch, just pull up the window, select the build you want, and your skills/attribs/equipment would be set to what you had saved.
With a warning saying if you didn't have enough refund points (or perhaps grey it out)
Sort of like an advanced weapon selection facility, perhaps make it only available in town/places you can change skills.
