Gosh, am I the only one who dreads respeccing at level 12? You have to sift through extra choices and choices when you only want to make one to two tweaks.
There's a real life cost in time lost playing the game to do work-like administration. Unless it's major, I just don't do it - or do it early, like straight away.
The 100gp matters early on, time spent matters later on.
