We will be changing the Free Reset given at 40, to actually be Level 50 as part of the Player Progression changes that are being worked on.
A character should have a good chance to understand the dynamics of the skills and stats and if anything getting them to Junon at around Level 50.
Given fact that rose ingame documentation/guides are very limited level 50 may not be sufficient. I have met players in game who are 75-100 and still didnot get main point of skills/stats (many has no idea even that you MUST take weapon passives and so on).
I dont think it would hurt IM also in any ways with giving free skill and stat reset until level 100 (even just ONCE).
New players who are not used to massive leveling can get very demotivated from fact that after leveling up char for weeks/months they find out its messed up and only way is to buy IM resets or make new char fully. Like i mentioned before, MOST players never heard about free reset (and its not notified in any guide/popup/etc from game side), people learn about it later from longer time players (whats often after level 40-50)