Game forces you to make Tav the Face, as the automatic "use Tav for dialogues" option does work (most of the time).
A spread of classes is useful. However, the diluition of class distinctiveness (that is WotC, not only Larian) and glut of potions&scrolls makes e.g. Cleric redundant.
Unless on Honour Mode, gold is not a problem. A few levels in you will not have anything worthwhile to spend it on.