100g ends up being a negligible amount of gold around, like, level 6. I don't disagree it should be free, but the price is extremely low once things start dropping magic items and shit constantly.

Also, don't sweat your build too much. Tactician is 100% beatable with a bog-standard single-class party of companions and a non-min/maxed main character. I didn't respec anyone at any time, and played a Swords bard with fairly bad stat allocation at the start.

My first playthrough was totally blind on Tactician, and I've had 0 experience with 5th edition DnD, and it wasn't too painful. I've played Larian games a lot, so that was in my favor, but even that experience is only really necessary on the hardest fights at the highest difficulty.