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Thats something ive tried to get an exact quote to, but i havent been able to find it. Ive just assumed that the game guarantees you can get enough skill points to get all healing, utility and elite skills, including your racial ones, but with all the fuss about legendary weapons costing skill points im not so sure now.
Has anybody done the math or found a link with an answer to this question? Ive also heard you have to do pvp if you want to get all sp.