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There are swings and roundabouts on when you dual.
If you were playing BG1, took just one level of fighter, and then dualed at level 2, your druid would come away with the ability to wear any armour and be specialised in 2 weapons (I always think scimitars + clubs is a nice combo, for those annoying damage-type immune golems.) For all the experience points you pour into the fighter class thereafter, you will never gain quiet so much benefit again.
Within the experience cap limit, 13/14 F/D is the top you can reach. If you go for this, you will go into the final battle with the most powerful character, but unless you're playing insane with tactics, you shouldn't need it. Added to this, is that your character is going to play the first half of the game without the druid spells, and is then going to have to wait longer than necessary before acquiring to good ones once they've dualed.
So, if I were playing a F/D, I'd probably dual at level 9, which would still give me grand mastery in one weapon. This means that my character will have ironskins after gaining a total of 259,000 ex points, and be a fully functioning F/D at 375,000. Early enough to be used through 90% of the game, instead of just the last few battles.
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