There is nothing to complain about in a game that lets you re-spec early and in a game that you can save/load.
Oh. Okay, then I guess those bugs with instantly closing dialogue windows with certain NPC's are not actually bugs but working as intended.
(There is absolutely zero relation between saving/reloading, respeccing, and the armor system. The existence of respecs and saving/reloading does not automatically mean there are literally zero issues with the game and no one should complain about anything. That is a completely idiotic statement and you should be ashamed for making that claim.)