$5k?! A doctor’s visit is $250 for me (insurance doesn’t cover anything until I never reach the deductible). Also there were only like 2 tests totalling 20-ish questions. The hardest part was making an appointment, which I never would have done if I wasn’t also making appointments for other pressing health issues.
Guild Wars (not GW2) didn’t have that problem. All of the skills are just available somewhere if you go get them. The only meaningful build choices are which skills you use, a small number of attributes, and how much of the stats from your gear you are willing to sacrifice to obtain other effects.
You get to level 20 (the cap) fairly quickly in each campaign and still have all the rest of the game to play with expanding options instead of increasing numbers.
You can’t just pick a single build and do everything with it, you need to adapt what you’re doing to the missions you encounter, so you’re more than encouraged to play with the other skills.