I suspect they will have a feature, like in DOS1, where you can re-spec and re-customise your characters during the game.
Then it was in the Hall of Echos, now I suppose it will be on your ship. So it is entirely possible that you can change everything about your characters (barring the origins) if you join a game after leaving Fort Joy.
(I haven't played the new patch, but since I haven't seen any comments about having a mirror/re-spec on your ship, this feature might just not be ready yet. I'd be surprised if they cut this feature from the game entirely.)
