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Spell-failure due to low wisdom only applies to clerics and druids, not wizards, so you can rest easy on that one.
Nalia is basically a pure mage. The only thing her 4 level as a thief really do is enable her to use a short bow. So you clearly don't have to keep her for her thieving skills. She is however IMO a better mage then Jan, who is multiclass and thus levels up slower and reaches his cap at a lower level. You've got Yoshi, and I assume you'll replace his with Imoen in Spellhold. Imoen is adequate enough with her thieving skills to last to the end of the game (ToB included), so you don't really need another thief. I'd say keep Nalia, if you can go without Jan's funny stories and wisecracks.
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