I might try the whole "no reloading" thing again, this time with my character concept "Minnie" (who has the minimal stats for her class). I originally thought of using her as an elven Ranger, who has the highest minimal stats, but I think I'll got with her as a half-elf Cleric/Ranger. The stats aren't quite as good (elves have a high minimal INT and CHA), but those stats don't really hurt a Cleric/Ranger.

Here's a breakdown of her stats throughout the series:

STR 13
DEX 13
CON 14
INT 4
WIS 14
CHA 3

Which won't be terrible come the end of BG1:

STR 14
DEX 14
CON 15
INT 5
WIS 17
CHA 4
(+1 to all from tomes, +3 to WIS)

...and pretty good come mid-ToB:

STR 15
DEX 14
CON 16
INT 6
WIS 18 (-1 in Spellhold)
CHA 6 (or 25 with Rod of Ugly cheese!)

(+1 to all from Machine of Lum the Mad, -1 to WIS in Spellhold dream, -1 to DEX from Hell trials, +1 to WIS and CHA from Hell trials)

I'd use DuHM a lot also, and that'll really boost her effectiveness in combat!