I don't think the current point allocation has any bearing on the effectiveness of stats or on how difficult it can be to reassign them (both are their own separate issues).

The current method of configuration definitely has its ups and downs though. I think it is an almost perfect fit for the class system in this game - it allows you to tailor to your own specific needs. Though it does have some flaws, one being that pouring too much into a stat can simplify leveling content (given that the stats have been assigned worth in the first place, which most have not). Another is that, at current, the content that is supposed to be challenging in this game simply isn't. It is fairly binary and not requesting of complex player input, which really betrays the class system altogether.