Yes you can do all that
not in the way you seem to think though
Best advice : try yourself

anyway, for those who just want respec of abi/talents points, you aadjust any number you want in the desired section, and in the back right corner there is a little zone to set the unspent points

Oh, and I saw something interesting about people not making it work...
if you won't changes to take effect, you must save the changes char by char AND save the file wink