@faraday Definitely a different thread, but I like learn times. I think they need to be more condensed to, yes, allow it to happen faster than it would in the real world in most cases, but not 0-60 in 0 seconds flat.
Some games have a necessary respec in the form of 'becomings' -- when through the course of IC events, someone literally becomes some other kind of creature. This is most common in WoD but it could be relevant in other systems, too. Some powers or abilities are only allowed for the group they started in, while others are required or available for their new one. If they're going through the process of that change, all the free -- and bought -- powers and abilities of the original group get dropped (because they must as they can no longer be used), and they get the new free or required ones for the new group. Most folks I've seen do this don't shuffle anything but these things and any other requirements around at that time, which I have zero issue with.
Typically this is magic woo woo powers of some kind, though, so in that context (read: 'this is really a magical transformation/superhero origin/etc.') it doesn't bother me.
Is this actually necessary? Objectively, no. You could opt to leave people stuck with a pile of things on their sheet they can never use again -- which could totally screw them on XP and leave things on their sheet that could mechanically complicate the coded processes of the game -- but I wouldn't be inclined to do this.