20+ question

I searched and browsed for about an hour wthout finding an answer to a relatively easy question, so here it is:

I'm nearling lvl 20, and I was wondering if once I hit 20, if I use all 24 of my points to lower a skill level if I will get stuck with whatever skill levels I'm at? If there is a quest or something that lets me re-do my levels however much I want, I'm not going to worry about it, but if not, I'd like to make sure I'm setup well for all the 20+ quests/exploring!

Cheers

You gain more skill refund points as you keep playing, one per certain amount of experience that you gain. (It isn't too much that you'd need to worry about it.)

And if you didn't know, you keep gaining experience even after level 20, for things like more skill points and more attribute refund points.

Exactly what I was hoping to hear - thanks very much!