Yeah, I hope Jaheira isn’t multiclass by default because I don’t think Fighter / Druid is as useful in 5E as it was in 2nd Ed. If I want to give her heavy armor there is a feat for that, but 1 level of Fighter is locking us out of an attribute increase / feat at level 12.
Yeah, level 12 is a critical level because of this, which is exactly why having it as the final level is so very problematic for multiclassing.