FrogReaver
The most respectful and polite poster ever
Okay. A sharp disincentive to multiclass. Of course, I have faith that my fellow gamers will have an FAQ out any day now on how to multiclass without hosing yourself. I mean, just because the system was set up by professional game designers doesn't mean somebody can't exploit it to hell and gone.
I myself am above that sort of thing, of course. I have no respect for anybody who can't handle a whole 20 levels of bard.
Multiclassing is generally bad (in the mechanical sense) before level 5 because it delays your level 5 features which are typically quite powerful. After level 5 it's probably a good idea mechanical to think about it with some classes though it still delays your powerful level 11 feature. After level 11 most classes except full casters have a number of solid multiclass options. You probably won't see much play above level 11. So I'd say multiclass after level 5 if you are wanting the option for mechanical power. There's plenty of non-power reasons to multiclass though.