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If you're not getting one shot very often and able to overcome challenges with ingenuity and grit, I'd say you're doing it right.

Once you start running into enemies/bosses that one shot you, that's when you may want to consider going and farming and leveling up your Vigor until you can take a hit or two. Other than that just keep dumping points into skills you need for the weapon you want to use.

Don't worry about screwing up your talent points, you can unlock respect pretty early in the game (second great rune holding boss).