I'm going with my typical party, basically because I'm not really bothered about getting the absolute most from my skill points, and I've found it suits my play style a lot.
I'm using a 4PC, all custom class party of one Slith warrior (specialising in Pole weapons) with Elite Warrior, a Nephil-thief-archer (with Deadeye and I think Nimble Fingers), and two Priest-Magi. My first spellcaster is mainly for priest spells, and will be bumped to level 18 before investing in any more than the 5 mage points she has, and vice versa for the other one. I've got a fair amount of arcane lore and nature lore, and about 10 tool use and I'm at the very end of the demo. So far, the only trouble I've had was rushing into one of the wights, and getting trashed by his friends.
Hopefully this will see me through the rest of the game with little fuss.
Oh, and yay for Tool Use not needing to be put onto a mage anymore!