To Re-spec a ship's Captain, we must pay doubloons. I don't think most of us really have a problem with that part. We do have some issues though:
1. The higher the Captain's rank, the more expensive it becomes
2. To change even one skill requires a full reset.
3. One mis-click can be very expensive (late night sessions; group distractions, pets, etc.)
The very easy solution which I propose is this:
Allow a 24 hour window to adjust the Re-Spec. That is, I pay the doubloon price, from that moment I can change the skills to my heart's content for the next 24 hours.
It addresses Issue 1 by providing more value to the doubloon cost.
Issue 2 is a wash. But it encourages more experimentation.
It completely solves Issue 3 by allowing us to edit and revise our choices.
It also provides more value by allowing play testing of the changes. Nothing worse than spending the doubloons only to have 'buyers remorse' and having to shell out MORE to change it back.
It's not perfect, no solution usually is, but I think it goes a long way to improving the experience while preserving a legitimate revenue stream for WG.