I would vote for the ability to re-assign EP for each individual skill at the cost of NIC. The way account resets are now is for the birds IMHO. As many have said previously, we should be afforded this flexibility for many valid reasons, shifting between PvP and PvE builds is one obvious example.
For those worried about role play factors like a persistent world, guess what? Our avatars are robots. Any robot I know of is reprogrammable within the limits of hardware. Re-assigning EP is in keeping with the nature of our robots-on-an-alien-world game, if you really think about it.
The Dev Team can make alterations painfully expensive as a disincentive. For example, each point "bought back" would cost the initial NIC value - so if initial cost=125K and you want to buy back 3 points, it would cost you 375K. ---OR--- The higher the point's value, the more it costs to buy back, so buying a level 3 point costs less than a level 6 point. This would make complete alterations impractical if not impossible, but fixing a mistake would only be painfully affordable. And for the hard core players who feel regular respecs are a necessity for max performance in every Field Op, let 'em grind the NIC and have fun.