[Apparently the cleric thing is still a bone of contention among the thread participants, even if it isn't for Hof. So I'm going to continue to argue.]
One problem I have with that is that without a deity (and the representation inferred by possessing that deity's holy symbol), the cleric is herself the inspiration for her spells, and that seems awfully mun-, er, overpowered to me, especially at starting levels. That works great for arcanes, especially sorcerers, but without a pantheon, there is no well for divine magic, unless your PC is herself a Goddess, and then, what's the point of having other party members?
Any of the other established campaign worlds (Greyhawk, Realms, etc.) have a pantheon. I don't think it works for LEW to have a pantheon composed of the PCs from certain LEW participants.
The one example I can find of a cleric who didn't have a deity is Kellus in Destan's Story Hour, and even then: his divine magic was limited until he found Helm again, suggesting that Helm never really left him in the first place. I'd be tempted to ask Destan what he thinks of an Eschew Divine Focus feat for clerics, since he's actually managed that situation.
Also, the divine focus isn't just flavor. If you're gripping your holy symbol to turn undead, for example, you can't also have your weapon or shield in hand to fight them or fend them off. It costs 1 gold for a wooden one, 25 for a silver one, and they work equally, according to the 3.5 PHB (pg. 130). Even clerics without a deity use the sun symbol (also pg. 130).
It's often the only component you need to cast a spell if you're a cleric, while wizards have to spend time procuring and putting together eye of newt and nightshade oil, and as Thels pointed out, in some cases you don't even need that!
IMHO, if your cleric can't whittle together a holy symbol with a dagger and a branch of elm, and at least roleplay the pretense of focusing positive energy through a holy symbol, then she's really just a girl with a mace, or whatever.