Yep.
Unless there is a some very aggressive PL runs going on even in early D4… frankly if I’m faced with a steep respec cost or the prospect of having to grind out a new toon just to get back to where I was and then pick the spec I want - I would probably just quit.
Yeah I could grind out to cap on the same class a second time… orrrr… I could just go play a different game that will be an entirely new experience from start to finish.