If you want to use her for utitliy magic (heal, haste, bless, soul shield), you can switch her at level 12 IIRC. Best switches are fighter or rogue, as Gimli already told.
If you want to use the high-level damage instruments, don't switch. It seems to me that the ability to overcome the enemy resistances is related to the bard elvel, not the character level (i'm sure it is this way for magic-users, and i think it's also true for bards, but not sure)
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