It looks like a pretty well balanced party to me. I ran one very similar with the cleric multi classed as a cleric ranger from the start. Her natural enemy was skeletons, and that made her very dangerous throughout the game.
I don't think much of Paladins, but I suspect most people do. I would prefer a dual class fighter/mage. That was by far my most powerful character the last time around, so I'm biased.
Specializing is the way to go for the extra spell. The opposing school is the only type you can't use.
With so many fighters in your party, having a bard is going to be fantastic for you. If you have Heart of Winter installed, they're really powerful.
Good Luck with it!
Lymond
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