I have no idea what I’m doing but I love it

Seriously, just respec at will. It's cheaper when you do it earlier, but it's never really prohibitive unless you're doing a full respec over and over.

Not stupid! How the game should be played. No build learn the game. Good for you

600k gold is *plenty* to reset your entire skilltree.

Once you start climbing your way up the map tiers, gold stops mattering and becomes a number that keeps climbing without you really needing to do anything.

Since Exalts/Divs/Annuls/etc are the *trading* currency, not gold, it's just a resource you use occasionally for currency exchange and skillpoint resets.

Worst case you can always use oil grenade incinerate. (I bricked my build a couple of times. Turns out no way to spend ferocity with crossbow - I wanted those elemental infusion in the armour breaking rounds)

yes, you have all options in the world to fix, undo or change your character.
you could even change your Amazon to Ritualist, if you feel like it.

You would only really need gold to fix your build if and when the time comes. 600k should be enough but if not you can always leech one temple when the time comes and get like 10 million Gold problem solved.

I’m having fun.

This is all that matters. Enjoy the electronic meth fellow exile.

You are in the best phase of tge game now, I envy you. Keep doing your own fiddling, and when you hit a wall, you can either look to a guide for inspo or keep using your brain by yourself. I never blue-copy build guides, I look at them and try to understamd the build, then I close the guide and try to improve my build from what I learned.

Well I did something similar with my first two builds. You will probably get to a point where you won't be doing so well. That's fine. That's where you might want to look up a build, or maybe try some new playstyle

You can respec anytime, and basically how many times you want.

You can also level up a new character to level 60 on like 2 casual days

I'm not sure, but respec is very cheap

Have fun now, worry later. Right now I have 400 million and my full set costs over 5,000 divines. In the beginning I did the same as you, until I reached the endgame I was testing builds from the internet, having fun with less commitment. However, in the endgame, you will have to revert all your passives and repair your items. Be very careful, at this point things get extremely complicated. However, by then you will have finished the campaign and if that's all you're interested in, congratulations, you've reached the end. Now, if you want to become a Super Saiyan and traverse infinite temples, you'll have to study a lot...