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A further difference becomes obvius at high levels (if ToB is installed or if XP cap has been removed): the multiclass character will be able to obtain the special "feats" from BOTH classes (example: greater whirlwinds from fighter AND use any item of thief), while the dual class character can only get feats from the class he has dualled into (fighter-->thief could only get feats from the thief list, would not have access to the whirlwinds/critical hits/etc).
Also, if you plan to use a Kensai/mage (with ToB installed or XP cap removed) you should probably dual class at level 12 to maximize the Kensai abilities. With ToB installed, this will only lessen the mage's maximum level by 1, so you will still get nearly all of the skills/spells available to the mage (don't have the book in front of me to determine whether you lose one 9th level spell due to this or not).
--Greystone
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