Alright, some thoughts there gashmo, but even though someone beats you because he's built his char differently from yours on lvl 2 you can still change your char the same way. There's nothing that can't be undone actually, and all stats (ability points) are dealt out automatically, so all mages are exactly the same if they choose no talents. The cool thing is that you get 51 talent points and to get your talent tree full you need to use 31 talent point, so since there are 3 trees you can't get them all full, so you have to specialize yourself to either ice or fire or arcane. Arcane is more all round magic and helps for all spells making your mage stronger. Specializing in ice or fire makes your spells stronger and I must say it plays a criticail part of how you turn out, so there will ofcourse be allowed to change it if you do something wrong, thus a mistake on lvl 10 or 11 can be undone (you get your first talent at lvl 10).
These trees and the talent system functions the same way for any class. I was happy when I found out I could unlearn my stupid trade skills and 2 dumb chosen talents that I just wanted to c how they worked