Having a character creator with no idea what the skills, attributes etc. mean.
I've only just started the game, how do I know I want to spend 60 hours as that class or whatever.
If the game has a free respec option then not as important.
Oblivion did it pretty well considering its age, you picked your traits and skills but as you were about to exit the sewer and start the game proper you had the chance to change everything.