I just got d/c'd recently whilst attempting to build my raft at the dock. Logged back in to not be able to use everything, I though easy fix, I'll just respec again like I've had to everytime this has happened and respend all my points, re-equip all my gear and try again. Well this time it wouldn't allow me to respec (even though the option was there). So I checked my skills and skill points that were available, apparently I'd learned nothing and only had 5 points to spend, whci I couldn't spend. It would make the sounds like i was learning the skills. It even asked me if i'd like to spend the X skill points on the required skills in order to get the skill. None of them unlocked or became available for me.
So there I was, stuck on a lawless island, with a dockyard, storage chest filled with the materials needed to make a raft (which I had started crafting before getting d/c'd only to have the server roll back) and now I have no means of leaving.
Good times.