| Dual class, unless you are starting from scratch on HoF. I prefer a multiclass, but I've been convinced that a melee-focused druid should be dual-classed.
It's a looong wait to regain your fighter class after dualing at 13. Are you playing on an elevated difficulty level (e.g. more than Core), or planning to do HoF with the same party after completing the game? Otherwise, I'd recommend dualing at 9. Earlier access to the druid spells, summons in particular, is worth a slightly lesser combat ability IMO.
You don't say what your other characters are, but with 4 characters it isn't as easy to "carry" a recently-dualed character, as you need your characters to pull their weight and, on average, kill more enemies each.
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When your back is against the wall... the other guy is in a whole lotta trouble.
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