Welcome to the game and the forum. 
Best to have a look at the beginner builds section here
I don’t think reflect exists much in the game now, but there are a few retaliation builds around - probably not the best thing to start with though. Try a beginner build, learn how the game works and then look at making one of those for your next character.
And you can always buy back skill points - and devotion points too - at the Spirit Guides you’ll find scattered around in the game. In the Ashes expansion content you’ll also get potions as part of some quest rewards which can reset your attribute and devotion points for free.