| The reason i dual at twenty one is because I want a greater to hit and damage bonus as for the Kensai/Mage I tend to use Shapeshift/Tenser's/Improved Haste as well as anything else I need.
I usually get the full character by the time I pay either contact.
Also, if you get the Deck of Many Things early on, dual classing is no problem. Especially to a mage or a priest (as all their abilities can be chosen once).
From what I hear, most spell effects are capped at 20. All the extra mage levels give you are more spell slots.
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