I guess I'm still in the ffxi mindset - I'd like to know how to play and be proficient at my job before I hit the level cap. I'll stick with protection, I don't have enough gold to dual spec yet (only about 600g right now) Retribution plays like a different class than protection from everything I've read since your role is dps instead of threat generation/holding mobs. I'd much rather get used to tanking now, than try to learn the intricacies of threat generation at a level that everyone would probably expect me to know what I'm doing.
tanking isn't difficult, it's the grouping aspect that I need to get used to since the dynamics are a little different than ffxi.