Who would respec ? It’s an rpg you play your character from start to finish - optimised poorly or perfectly - it’s more challenging if it’s not perfect but that’s life - make the best of the situation & do the best you can - no character is perfect.

That’s me the rpg player not the power gaming min max look at my perfect build gamer - that’s not d&d - that’s a whole other thing…

Play your character as is no respec.