Father, I was thinking of playing with 3 persons myself, but since I have a hard time just playing with 5 on hard difficulty with 4 npc's, I thought it would be extremely hard to play 3 persons on insane difficulty. If I don't play with npc's I can be much more powerful, and I think that I will need 4 people to handle every situations in the game.
About the swashbuckler/fighter: I have thought of this combination, won't he/she have pretty low hp? If you get 1-12 hp after you have dualled and gotten back the thief skills, I guess it is pretty good. In that case I will have to dual the swashbuckler immediately so that the fighter don't pass level 9 when you are done dualling. (hmm...complicated?)
Maybe the hp doesn't matter, because you get all that lovely proficiency points instead.
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