There's another problem with lone wolf:
If you skill/respec lone wolf after some levelups, you don't get the additional skill points you would get if you would have skilled lone wolf before.
You only get the additional skills points for the next level ups.
The problem is: you can't add a 4th person to the party if someone has lone wolf, so if you skill it later in the game, the character who got lone wolf isn't strong enough to replace another characterslot. Additionally if you respec and lose lone wolf, you should lose the additional skill points aswell. Everything else seems to be unbalanced.