All excellent advice. I would say for the first time through the game use NPCs rather than a custom party. You'll get so much more out of the game that way by way of character interaction. If you play a party entirely created by you then you'll miss out on that.
The first full game I played I used four of my own charcaters and two NPCs and it was still very exciting just following the plotline and fighting the battles. Prior to that I had played about 100 (game) days in an unfinished game where I simply roamed around and tried out different NPCs. But, anyway, again, if I had it to do over again I would definitely choose to play with all NPCs the first time through.
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