the Lore Bard is about passing every talk test. you want 12 in every stat... its about being good at everything
the other bard is about combat i.e, a sword, a shield

if you have 15 charisma then your best option is spell damage and buffing the Cleric or the Fighter is 2nd best

as a Druid you decide if you want to cast spells or go into animal form... the bitch with animal form is the concentration needs. it always fails when need it
a Druid that carries a shield \ heals or a bow is the best way to play


Luke Skywalker: I don't, I don't believe it.
Yoda: That is why you failed.