My guys are lvl 20. I'm playing ESO like any other MMO even if it's clunky to do so. I'm not a big quester, so there's absolutely no way I'll redo quests in another faction, not to mention it makes no sense narrative-wise. My plan is to level 1 toon in each faction to 50 then stop. At 50, I'll just hope the pvp or dungeoning xp will be enough to reach max level - cause questing other factions is completely out of the question.

I don't have a problem with the vet zones personally. I mean, after playing in PTS, beta and a couple regular characters so far since launch, I'm a bit bored of the questing in general before you even get ESO Power leveling to vet levels. But I've played a lot in these last months, so I guess that can be expected a bit.

I actually enjoy vet zones, the entire zone is your level so you can go anywhere and do whatever you feel like at the time. You can craft weapons and armor that you won't far outlevel by the end of your play session like you do in normal levels. The biggest thing I think they need to address is balance issues with mobs, some pulls are crazy hard, some pretty easy - it should all be challenging but not feel impossible IMO.
 

In this game no . They do not really have any consequences each way you go in the rare case there is a choice the outcome is always the same or the choice is forgotten never to be mentioned again. Not even when you let some Npc die because they have the self resurrect spell mastered.

I have all 8 char slots up, although one is a mule. I have all the classes and I fight them as well as craft everything I use. I am learning about the game. I have two fighters I am really pleased with and as I do know what I'm doing I expect to chose my points well. I have actual goals for each one and I'll take the consequences if I get it wrong.

I get respec. I am trying not to use it and as my base is large I am at level 33 for my highest guy. Being a bit behind allows me to ESO Gold watch others and learn. I do read a lot about the game and understand a lot about it's mechanics.

If you want you can go on the PTS sever and try out builds. I have a couple there but I have not touched them in a week. Feeling my way forward with specific goals allows me to make good decisions. I won't say I agonize over every point but I do make the best decision I can.

I understand that it's a gold sink, and that we need those. But I think nearly the entire player base is in agreement that it's far too much of a sink, and that it's extremely excessive to require a person to reset every single one of their skill points, just to change the morph on a single skill.

This problem will only be exacerbated as the game progresses and new content is added. How you morph an ability can change your entire build and role in a group, new dungeons and bosses may require people to change their role. This happens with new content in every single MMO, but most provide an easier means for a player to change up their role.