My approach is to start with all wizz (one priest last time), I give you as examples the char progression of 2 chars:
Female Ratling (rogue substitude): Wz4 (to get some spells), Barbarian 10 (lockpicking now), Samurai 11 (filling in sun spells), Paladin 11 (like all the others getting Crusade & Spirit spells), Ranger 12 (Vine spells), Bard 12 (Moon spells & starting Fiend - waited until Trickery became available), Monk 12 (fill in spirit spells), Ninja 12 (fill in Moon spells), Warlock 13 (fill in Stone spells, Assassin [up to lvl 31] learning Fiend spells ....
Male Elf: Wz9 (has top Stone spells - Meteorstorm for Amazoni Traps ....), Monk 9 (starting Spirit), Bard 11 (get Teleport, Portal & Call Home), Paladin 11 (fill Spirit & get Crusade), Ranger 13 (get all top level Vine spells), Samurai 13 (catch up with Sun spells), Ninja 13 (finish Moon spells), Warlock 13 (get top level Fiend spells), Barbarian 33 (can fill in spells up to level 4 here) and finally Zenmaster up to level 13 [no spells left actually]
As you can see, I like to get all spells for all chars - my Female Human priest ended up Valkyrie to get the Stone spells ..... [very late though]
One important note: in each successive role go at least up to previous level to get skill points (does not work at the very end though) & Barbarian either early (then only one hp thereafter for a long, long time) or second last/last role [my Valk ended with 358 & my Zenmaster with 300, all other were in the low 200s].
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