This is all opinion, as you noted. To my mind, hybrid characters are jsut a different kind of challenge to play.
Hybrid characters will typically be underpowered compared to characters specialized either way, no question. With this approach, you'll be lagging behind on the set of skills you can use at peak efficiency, and that may mean you'll constantly feel underpowered against the current challenges in the game-as-released. (NWN via D&D made me want to say original campaign.)
If you're into role-playing, then versatile but underwhelming is just another approach. It certainly makes you think more about tactics, which this game encourages.
The fact that you have at least a party of two also means you can compensate to some extent for any given character's weaknesses.
