Why limit this discussion to ARPGs?
There are plenty of turn-based RPGs that do not allow respecing.
I found that, for example, the Avadon series is more enjoyable with the cheat that allows you to respec (though it can be a bit silly, as the game allows you to use that cheat even during battle, which I think might be going *too* far).
amrit9037: Well I don't care about it.
I first assign minimum point to unlock next point to see how my character makes progress and then according to need I feed them points.
In Torchlight I modded the pet to a dragon like creature and kept feeding him.
That works fine until you run into a game that doesn't let you do that, such as Dragon Quest 8. In DQ8, as soon as you get experience to gain a level, you immediately level up (you can't choose to delay it), and when you level up, you *must* spend all your bonus points before the game can continue.
Dragon Quest 9, fortunately, fixed this by allowing you to save skill points, as did Dragon Quest Monsters: Joker. (I hear DQ8 has iOS and 3DS versions. Do they allow you to save skill points?)
Incidentally, the common inability to respec is one reason I've decided I don't like skill point systems.