This is in same gategory with "save scum"
You can do it, and it... well make the game less fun and less replay able, but you can do it or decide not to do it.
I have not respecked yet, and most likely don´t do it unless i mis click something and has to fix that. I personally also don´t load game after failed check roll. It did happen and is now part of the story. And I have not have any problems because of that. I lose something that I could have seen, but also see things that I would lose if I would not have lose those checks.
I don´t mind if other players do these things. But it bothers me when they say that game is boring. It is mainly boring because of respeck and save scumming. IMHO. So there is no easy answer to that and people do what they do. But I hope that people understand what consequences these chooses have to the game. If they do. I am fine that these options are in the game! Respecking allows you to experince different builds really quickly, Save scumming allows to see all short terms options really quicly... But they take away long term rewards like replay ability. (if you use them too often)