In game currency, RL $, No to both....
I think It should be as the devs are makeing it "adjustable" for the first month up to lvl 5.... After that you should be forced to wait 6 months for another free one if you respec before your 6th month a penalty should incure 20% is perfect. After that Respec you probably will never want to Respec again but should you wish I think the 1 year mark since your 6 month respec would be fine. The 6th month respec should be carried until used IE I dont want to respec my account until its 8 months old. then the 1 year ticker starts on the date the account was reset.

So it sorts like this.
30 day trial with the lvl 5 cap rule in place 1 total reset for free.
6th month free reset again becomes open.
18th month last free reset.
If you use any reset not revolving around those dates then you pay a 20% EP penalty.