It seems the game intends for 1 character to be enough for any 1 World, which is great in theory. But currently it feels like a giant hassle (and pricey) to swap attribute points back and forth regularly. Swapping gear is easier, but still not in any way fun.
Since a second character seems out of the question could it be possible to get an alternative loadout option, either when in your house or a city? Put a timer on it if it seems necessary. I would love to be able to go from a DPS build to a healer build when I feel like it or for one dungeon run, then swap back without having to entirely respec twice every time. Right now I would almost rather play two characters.
Any concerns about what this might allow that isn’t desirable seem like they can be answered by limiting where you can swap loadouts, or how often, but I’d be happy to hear why this is a bad idea if there are critiques or gameplay reasons for not allowing this option.