Is there perhaps a different Character Builder other than http://sto-builder.binarybit.ch/? I just hate how you have to spend every last point in order to continue in another tier. Or can anyone give me advice on how to get around this? Maybe an explanation of how many points a rank costs at each tier?
There is http://www.stoacademy.com/tools/skillplanner/ but I can't comment on its usefulness since skills in STO aren't that difficult. You might hate spending all points to unlock the next tier, but that's how it works also at the in-game captain trainer so get used to it.