| I'm not a fan of a dual-class Cleric/Wizard in that party. It means you'll spend a considerable length of time without mage spells, cleric/healing spells, or both.
I'd be inclined to go with a F/D dual, F/C multi (dwarf), F/M multi, and F/T multi. The F/C can be your lead tank.
If you make a gnome Fighter/Illusionist, it too can be an effective tank after it has a few levels and Mirror Image.
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When your back is against the wall... the other guy is in a whole lotta trouble.
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