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You also need to remember that if you are using triple class characters, all the experience you gain will be divided 3 ways. So if you have a fighter/mage/thief and a fighter/mage/cleric, those two people will advance as slowly as a party of 6 single classed characters. In addition, their experience cap will be effectively one-third of what it should be (it would about 960,000 rather than 2.95 million). Plus you will suffer an overall shortage of men on the field. Even though those two characters could do everything, they can only do one thing at a time...
As for your second question, once you get into battle, your armor is either stuck on you, or stuck in your pack. You can't change it again until after the battle ends (as far as I know)...
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