[ister]

If you do go with F/M/T rather than F/T you'll have to be very careful with allocating scrolls. For most spells you have only one chance (invisibility and stoneskins being examples where the F/M/T may conflict with the F/I), and even for those of which there are more than one copy you'll need to be sure to buy them at exactly the right time.

The other small weakness I see is that only the F/C has a crushing weapon at the start, although maybe the druid will have clubs. You will run into a lot of enemies that are strongly resistant to piercing and slashing. I'd start the paladin with one in maces. By level 6 the paladin, the F/I, and the F/T will have 2 stars in crushing weapons and you'll be fine. I'd also give the F/C missile weapons, slings are reasonably effective.

On the other hand I think the best advice I can offer is to get on with playing the game already. You don't need the ideal composition to beat the game, anything with a bit of balance will work just fine.