Well, iirc you get Specialization at lvl 20 regardless of if you put points into or not.
But on the plus side you still have a choice. For the price of a ruby there's a quest in Sol Ro Temple that allows you to reset your Spec skill down to 50 across the board (If they were all maxed) then you just chain cast the spell class you want to hit 200 in.
Forgot the NPC that can do it, but it's there. I changed my druid from Conjur to Alt.
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