I haven't had any items with memory on them yet. I have respecced but I can't see anything from a respec that would cause this. I can't add skills to my bars/memory unless I have the correct amount of memory to do so, but once I have the skills in place I can then reduce the memory back down to 10 and all the additional skills are still there.
You can see here I've been able to do it even more so with Fane now, taking him to 12/8 slots used. And also the Red Prince.
Fane Statshttps://i.imgur.com/12dLmiO.jpgFane Skillshttps://i.imgur.com/zvbIGbd.jpeg------------------------------------------------------
Red Prince Statshttps://i.imgur.com/letSyAI.jpgRed Prince Skillshttps://i.imgur.com/Nk5IGyQ.jpeg