Firm and hard NO from me.
I'd only maybe consider it IF they actually made it so you could see the full 1-to-12 level progression. As things stand, if you don't have prior D&D 5e experience or a guide/wiki, it's impossible to know if a certain build is viable or crippling. And when you have things like the Collage of Lore's bonus skills being fixed causing you to potentially have fewer skills than someone who knew ahead of time, making it a less convenient feature is just punishing new and un-experienced players.
And frankly, who exactly is being hurt by the fixed 100g cost? No one. This whole thing just feels like a "Back in my day we had to suffer to respec. You youngins got it too good!"
