I understand there are pros and cons - you are right, money is tight, but 6 can carry more stuff, especially if one is an elephant character. I read a thread in this forum where someone just played with one character throughout the entire game! I have six, but may just play again with one or two oddballs! Since most of the time they share experience points and seem to advance pretty evenally, I'm not sure if 4 would advance faster or not - but guilds are expensive. You could always try a new character or two and if it doesn't work out, just leave them at the inn.
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