I just completed the game on insane together with my gf. The Cleric buffs are very nice to have, a human F7 (or 9 for that matter)/Cleric X with draw upon holy might gets a very nice AC and every hit hurts a lot. Bard is nice. You will want to use disabling spells such as web (the key to our victory) a lot.
The paladin could do with axe (I think there is a relatively early AC axe and a +2 throwing axe that will hit most dangerous enemies) and a blunt weapon.
We had the following party where some of the chars probably match the roles of those in your party:
a F7 (with 3 points in crossbow and 2H swords)/necromancer (might as well have dualed at lvl 3 as the pre-web game was a pain) ended up the top killer with heavy crossbow of speed and fireball (on webbed mobs). A thief dualled to mage after maxing out traps/locks (or just traps if your bard has lots of knock spells memorized) could work too.
Paladin with Axe/Longsword/Flail/Greatsword as main tank
Dwarf Fighter/Cleric wasnt too useful. Its nice to have healing from the start but this char tended to get hurt a lot, and the healing spells are mostly too weak to make a difference in the heat of the battle. We could have used your Fighter/Druid instead. This char didnt really work in the intended role as secondary tank but we might not have been using her in an optimal way.
Elven fighter/thief: Bow/longsword/spear girl. Second best killer in the party thanks to the bow. The spear turned out to be a better weapon for her against weapon resistant enemies than bow, thanks to the extra range.
Fighter 13/Cleric X. Unfortunately we only got experience enough to reach cleric 12 before the expansion:-p But draw upon holy might actually made this char a better melee option than the paladin towards the end. Mace and Sling are the obvious weapons and seemed nice for a cleric. Cleric also has a bunch of spells that help your AC. Some fights in Lower Dorns Deep were quite a breeze with an AC of -24 from all the buffs
The bard worked out very well. Plenty of proficiency points made it hard to pick a weapon, he ended up with a light crossbow of speed. He wont be fighting much anyway. An elf bard with a bow is probably better than our human
In your party I'd use the gnome fighter, the gnome (?) helmet with its AC bonus would be much more useful than the elfs Thac0 bonus with longsword, as a pure fighter with GM will land almost every hit anyway.
For the cleric I'd dual at lvl 9, It'd give you one more stron melee option.
The druid would be a F3/Druid, or F7/Druid. Maybe even F9 to max out slings, but then you'd be without priestly powers for a very long time. I dont know much about druids as the only infinity engine one I've used is Jaheira in BG2.
I dont like the F/M/T, but you need some thief skills and its nice to have this char able to hit worth a damn with ranged weapons which a low level thief dualled to mage wouldnt... You already have the bard who wont contribute much to direct damage dealing. Normally I prefer to leat an elven fighter/thief take care of thieving skills, but then you would have to change one of the other chars.
Now I'm holding my breath and waiting for the veterans to tear this apart
[ 01-05-2006, 05:50 AM: Message edited by: Zaleukos ]