I haven't yet played a game with only created characters, but I'm planing on doing it and have given some thought to it's composition. this is what I came up with:
- monk; for their immunities and all-round versatility
- inquisitor; for dispel magic, true sight and carsomyr.
- plain fighter or kensai; need a fighter with grandmastery and dual-wielding katanas and longswords (perhaps axes for the plain fighter)

. unlike some people however, I can't see a kensai using anything but swords; a 'sword saint' with a warhammer in the off-hand... just strikes me as weird

- elven sorcerer; sorcerer... enough said. staff of magi, robe of vecna, the usual stuff

- dual-class thief/mage, dualed at around lvl 10. that gives me good lockpicking and trap detection, other thieving abilities I don't need. but I do need a backup mage.
- dual-class fighter/cleric or ranger/cleric. dualed around lvl 9. he/she can do A LOT more than just sit in the back and cast an ocasional healing or defense spell. uses crom faeyr and either a good shield or the flail of ages in off hand.