Granted I've not been faced with much of a dilemma for switching around my point values, and yes 250 experience is not very difficult to come by, but that is per point refund. I also happen to know exactly what I want my characters to be doing, I have used alot of the skills throughout the betas, I've seen them in use, and I've put together a vast amount of sets for situations. However, I have run out of them at times and thought to switch, so I spend time going out not really to level, but to get a somewhat annoying amount of these refunds back, especially for those of us who distribute much more evenly, meaning further need of constant refunds. Plus I can imagine the annoyance a level 20 must feel when they are spending time PvP'ing, it is difficult to get that experience, they have to go a bit out of their way.
So, just allow points to be refunded inside of towns, this is the same way skills work, if they work this way, then why can't refunds work exactly the same, there is a definite correlation there. For an example of the annoyance here, I hated WoW respeccing talents requiring a cost in gold, especially on PvP servers, a few of our tanks have to be protection spec'd, and a few of our priests have to be holy spec'd, but, it gimps them for solo and smaller group PvP. We have a constant money drain when we want to go out PvP'ing, and then when it settles we decide to raid Molten Core or something, or people sit on the shelf potentially. It also hurts those of us who could otherwise adapt to situations, if I outfitted myself for each group, well I'd never be able to keep up, it is rare I make 2,500 a run with a decent sized group, I might make even less than half that even with a decent quest completed, as monsters keep giving less and less.
And the biggest problem I see is newer players forced to spend further time on a single build just to try out another one, but, you have so much experience elsewhere it does seem to roll off its effectiveness. One of the greatest things I have found of Guild Wars is potentially, a Warrior is not simply the main tank, a Monk is not potentially a healer, and so on like that. People can be incredibly different amongst a single class, further difference when you throw in that second class, and even more different when you decide which is primary and which is secondary. Throw in attributes, and the multitude of spells available, you can easily find alot of difference between two high sword/str/prot spec'd War/Mos by what skills they have chosen for em and when they choose to use them. Not to mention that the extra second you get on some spells or the extra say tick of regen/degen on someone may come four points down the road or more, and you may not have noticed any difference for a few, and not everyone knows where to find out that precise information on it.
So really, I think a simple removal and restriction on the point refund system is needed, take it out and allow it to only be done in town. Points can still be spent outside of town, just like skills can be acquired, but if you're going to change anything it has to be inside of a town, not a real stretch to get rid of those possible annoyances and restrictions a few people have.
V

