I like the physical levels and the way it helps define our character, as well as the point allotment system. However, I do think that they save stats on a per discipline basis. In other words, you have an automatically saved/retrieved point allotment for all of your Disciple of War classes, another separate allotment for Disciples of Magic, another of Disciples of the Hand, and one allotment for Disciples of the Land that are all applied automatically when you change to one of those classes. The reassign would work just like it currently does, except it would per-discipline, as well.

This would give us a tad more ability to customize, would hopefully discourage people simply opting for the optimum allotment for each class, and providing convenience that the current system lacks.