In the middle of what has all the chances to become one fruitless 'discussion' on Steam, I've decided to post HERE, and if possible, to get answer from Devs (instead of 'opinions' which are just that, same as mine).
Namely: "What will the newly created character inherit from previous one(s)?"
We had questions about 'Hard Core' mode and respec in general in VH-days (some may remember), but that was then and this time it's far more serious...
Rationale: Say I play Crusader up to acc-lvl 100 - or more, and this is very likely to happen. Say I create Psyker and inherit everything (skillpoints, shared attributes and perks), play it for a while and then decide to create Assassin. I intentionally put this order, because Crusader and Psyker have a number of free-attribute points.
Result: I have Assassin with well over 100 skillpoints, over 20 free attributes and all shared perks.
How much is that challenging? A little - skillpoints give full HP-tree, full speed-tree, and several others, important for build. Character is clearly overpowered as soon as it reaches Inq-lvl20 and unlocks all the weapons - overpowered compared to Assassin-first build, that is. Paradoxically, most experienced players get extra-extra-help...
How fun it is? A little, I would say - by taking general skilltrees and ones important for build, I've teleported almost directly into trophy-point phase, where I actually don't need more skillpoints, and invest into anything available (trees which give very small advantages or are just free).
Solution: A 'Hard Core' mode, OPTIONAL a check-box at character creation, which produces a 'clean' character - one without acc-points, for example. If we go further, it could exclude other things, or whole respec in general.
My 'educated opinion' is that this is a must for all high-ranked players, who want more challenge and spend hundreds and thousands of play-hours ingame. Agreeable, most players are more casual and wouldn't want this - but if we take Cabal-Grandmasters, for instance, they probably don't need or even want all the account points (not to over-reach, but those would probably like character wipes and seasons with clean-start, not just 10 more levels).
Having a characters which are not endlessly reusable is important for player-base - the harder game is and more it takes players to reach some imaginary 'top-tier' level, the more they will play (if they wish and enjoy, of course - and many do). It consequently leads to the full server and more tight and loyal community - games are easier to find, cabals are competitive etc. As a bad reminder, I would like to point out to VH PvP server and what was happening, or better yet, what wasn't happening there.
So, please take this into consideration, things that are too easy aren't necessary more fun and often have shorter 'shelf-life' - not just for potential 'Hard Core' players, but also for those so vocal in "we don't need it" - this is a question requiring a decision from DEVS and one that is dangerous to leave for players to decide - of course, including mine. I just stated my reasons...