Why would you say that you get screwed later on?
Last time I played it you can unlock everything on the AP wheel. So if you pick an AP ability that you dont like you arent "screwed" you just earn more AP and keep on unlocking AP abilities and SP perks. Also AFAIK all the old content is repeatable, except maybe the main storyline i cant remember. So if you go through Kingsmouth, Savage Coast and Blue Mountain and do all the side missions. Then i think 24 or 20 hours later those quests would reset and you can do them again for the AP/SP rewards. It might be easier when you repeat stuff since you'll have more AP and maybe better QL gear but the AP/SP rewards are still scaled appropriately i think.