I guess I am perceiving how things work a little differently than what I am reading in these posts. What I believe is this:
As your character progresses through the levels specifically levels and ranks you get a credit for each level you earn. While you are within a rank you can only buy that ranks abilities (or possibly the abilities of lower ranks). So Rank 1 is levels 0-4 and so you can earn 4 credits on your way up to buy 4 Rank 1 abilites from the 4 classes and universal group. When you hit level 5 you are now Rank 2 so you can start buying rank 2 abilities, again from whatever class. (you may be able to still buy any un-bought Rank 1 abilities but I have never seen that said officially). So upon reaching level 5-9 you can buy Rank 2 abilities. Then levels 10-14 you can buy Rank 3 abilities, levels 15-19 you can buy rank 4 abilities and finally at level 20 you can buy a rank 5 ability. So a maxed out unrespecced character would have 4 Rank 1 abilities, 5 Rank 2 abilities, 5 rank 3 abilites, 5 rank 4 abilities, and 1 rank 5 ability. (Again you may be able to buy more of the lower ranked abilities and fewer upper ranked abilities if you choose - but we need official word on that).
The question is once you respec can you buy more abilities from the higher ranks than you could on your first passage through the levels? My answer (an assumption only, but based on buying abilities in RPG games and how it normally works) would be no. That you still need to purchase a certain number of rank 1 abilities and a certain number of rank 2 abilities, and so on and that you will always only be able to have one rank 5 ability.
My $0.02.