...use respec to go in and out of multiclassing depending on what is more optimal like fextralife suggested or use respec to dump a stat once they found a "set stat to 19" item.
Sorry for the double post, but I just saw this comment.
What Fextralife suggested left my jaw dropped. I could never do that. Respec'ing throughout the game like that is way beyond my capacity to min/max.
The only way I would ever use respec would be to do testing for things I was interested in. I don't think I'd ever actually do it on character I was actually playing.