I wouldn't rank turn undead as very useful in a full party on core difficulty. For me, the real reason to take a cleric 24/7 is spells. Protection From Evil 10' Radius, Defensive Harmony, and Raise Dead/Resurrection save a lot of grief.
Hence why I take both - a druid has offensive spell capabilities that approach those of a mage. If you choose to play the druid that way, a cleric (or perhaps bard) is necessary to take away the healing duties.
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