What I'm playing now:
1) 5-school spellcaster, who's the face character and item identifier
2) Melee fighter/tank, dabbling in witchcraft and scoundrel, who's the crafter
Both have Lone Wolf and Leech. Nobody has Dex.
How it works:
Tank: if I could retrain, I would drop witchcraft and scoundrel. The latter doesn't do much for a Strength-based fighter, and bloodletting doesn't heal my caster enough to justify it. Instead I would probably take a single point of geomancy or aeromancy, maybe both, because spiders and telekinesis are 1-point wonders. Overall this character is quite tough and hits very hard. Bloodletting cast on this character heals ridiculously well (it's probably a bug). Crafting seems good mostly for making arrows, which I don't even use but sell; it's rarely paid off otherwise.
Caster: I like having an enormous variety of spells on hand. I find it difficult to choose a spell school I would drop. I think with the extra points from Lone Wolf, taking all 5 schools is the way to go. I don't think I would change a thing.
That said, without Lone Wolf I would probably want casters to specialize more, and I probably wouldn't choose a melee tank as one of my two main characters since whats-her-name is quite capable.
