Pretty much.
If you look at my starting/leveling builds, they're usually WILDLY different than my end-game builds.
Yes, if cash becomes available, (and for me, cash is nearly ALWAYS available), I can twink lower level builds with universal "nice to haves", like Numina, Miracle, and Panacea uniques as they become available to me.
I should probably be WAY more religious about my "this is an end-game build" disclaimer...