It’s all good. So the build you posted.
There’s a lot of what I call straggler points. When you are putting 1 or 2 points into skills that should be the focus of a build.
For instance 2 in SV and 2 in AI. I’d go with one or the other. If you want shields, go AI you’ll benefit more from it.
Don’t put 3 points in TRL unless you’re using a deathless artifact or you’re able to get to 1hp otherwise. You remove your health gate. There’s some advanced builds that use a deathless without the bloodletter class mod, but for beginners sake, if you aren’t using a bloodletter with this build don’t go past 2 TRL.
With 2 in TRL you’ll gain more shield than you would with VI. Move the points from VI over to DiB.
Take FF out and move it over to have 5/5 PD. FF is awful, one of Moze’s worst skills.
Highly suggest 5 in CoL, 1 in Redistribution, 3 in StE. It’s hard to beat that with the amount of points in the tree. You may want to consider moving points over to DW for survivability, and try and grab some points in Vampyr. But depending on your build and your goal, you may not need to. It looks like you want an Iron Bear build.
If that’s the case, I’m not sure you need anything in BM tree, after all you don’t need unlimited ammo of you’re in your bear. Again, consider Vampyr and get rid of those Iron Bear weapons for something with splash. Iron Bear will die instantly with your build in any mayhem modes.
That’s probably enough to consider for now, I could go on and on but let’s wait until you’re level 50 and you’re ready for the build.
In the meantime, try not to split so many rows up over multiple skills and avoid those stragglers.