I'm beginning to see the problem. If people want to use every book in creation, including 3rd party stuff like Monte's Arcana Evolved, and finesse over feats from a dozen sources to optimize their character, then it's, IMO, not an 'NPC' that's going to interact with the party for ~5 rounds before dying horribly, it's a labor of love that you might as well play as a character!
Yeah, if I wanted to play hopscotch with every book in my collection, I could also take 90 minutes, or even a couple of *months* making a character.
But, not being a masochist, I don't devote this level of min-maxing to NPCs. They get the basics. I use some odd classes (swapping out Clerics for Archivists) or take advantage of class options from Unearthed Arcana (Urban Ranger, Thug Fighter, Cloistered Cleric, Battle Sorcerer, Steadfast Monk), but I don't feel the need to go dig out every Race of... and Complete Splatbook to see if Expeditious Dodge is going to be micro-optimally better than Dodge in the couple rounds that this character is going to live in the presence of the PCs.
A character I'm going to play, perhaps for months? Yeah, I'll devote some time to finding a good fit, although the Paladin / Ranger / Fighter mentioned above is definitely more multi-classy than I like to play. I find that mixing classes often seems to result in sucking at multiple roles, rather than being competent at one (Fighter being an exception. 2 levels of Fighter can often be quite the boon to a Ranger, Paladin, Barbarian, etc. build). The Rangers Animal Companion, for instance. I'd sacrifice it for Distracting Strike from PHB2 or something, 'cause Ranger companions are already speed bumps / wastes of flesh for *single-class* Rangers, let alone multiclassers!