That is correct; skills can be unlearned and the points redistributed, but stat points can not.
If you just got your battle tower, then you can still adjust you stat distribution as you progress; before then it is easier to alter your build (cleaning up before the hall of echoes, I've go something like 35 unused stat points, and have not used any charms).
You can make a high dex warrior, or a mixed stat and class character. A ranger should be able to do ok in melee combat, especially if you have a couple spare skill points to invest. Playing a dual wielding warrior, I started combat for the first part of the game with a bow (without investing in any ranger skills) and found it quite handy though to about the half way point (after that I mostly used it for breaking crates, etc).
