| I played an evil cleric/necromancer, once. Dual class from cleric[14]. I ended up playing it as a spellbomber/buffer and didn't use the nasty clerical spells as much as I thought I might. Most of them allow saves, take too long to cast, and are touch spells.
I consider spears and scimitars tied for usefulness for fighter/druids. Either way, your F/D will lag behind other party members in terms of access to good magical weapons.
I'm not sure why you can't steal from shops, since the icon is there. That's just the way it is. By about the mid-game, you can just sell the loot you find for cash, anyway. The guy in the Severed Hand gives the best prices.
I don't know if it's a bug or not, but I've seen it and used it before.
If I were you, I'd give crossbow specialization to the F/T. It doesn't really fit for any other character.
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When your back is against the wall... the other guy is in a whole lotta trouble.
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