I'm very confused about skills and talents. Skills can be unlearned and talents cannot? Do you recieve skill points when you level like talent points? ...
You can all stop hyperventilating now.
By the time you hit 65 (assuming you are a plate class), the following is true:
-You only hunt in PoP, VT, or ToV
-Mobs in these zones almost always hit you for near-full damage even when your AC is maxed
-The only thing mitigating damage is AA and disc