Personally I've used a character that was:
Tankred Half Elven
Fighter -2
Ranger -2
Psychic Warrior -1
Rogue -1
Wizard -3
That was as far as I got the Fellow, and he wasn't that bad to use either. In hindsight though, I should've picked warmage instead of wizard, even though I had lvl 2 spells armor reeeealllly would have been helpful in his final moments. At least I didn't name him Jack.