If you have a full ability load out -32 pts- and respec to a reduced intelligence your abilities memorized are not effected. This means you can do a 32 point build, then dump int points into something else - like str- and continue play so long as you do not want to change your build.
@OlivePit never thought about that but in fact it's an interesting exploit.
I suppose that if you change your talents preset it should reevaluate skills one too.
Bonus stats from talents or items have no effect on memory limit.
@OlivePit I keep forgetting that, must be my memory limit.