How to respec in Nioh 3

Puzzling out how to respec in Nioh 3 will be a real eye-opener as to the game's build possibilities. Unlike many other Souls/Sekiro-likes, you can respec whenever you want in Nioh 3, and that applies to both stats, which you'll purchase with Amrita, and skills, which you acquire by finding Samurai and Ninja Locks.

Both processes are pretty straightforward, though you will have to progress into the game a little way first before you can use them—that's fine, though, since you need to acquire...