This thread concerns me - mainly because I've just made my first ever Bard.
We're starting a new campaign with a different DM, and I decided that I wanted to try a Bard - female human, to be precise. We're 1st level. I've made the character, but haven't played her yet.
I weighed my decision based on the DM stating that this *would* be a city-based game, and that there would be action IN the city. So, I went ahead with it. If the game had been more rural, or more dungeon crawl, the Bard would have been right out. Only after I was assured that a "social butterfly" could shine did I go ahead with it.
My Bard is absolutely going to suck in combat. First off, the DM changed some of the core rules on me, giving me basically only dagger and short bow as weapons. A 13 Dex and an 8 Str, means that she'll be using her bow most of the time, and only attack with her dagger in a life or death situation. But, combat isn't her forte. While he limited my weapon choice, he gave everyone an effective Commoner level 0, which meant that I gained extra skill points and hit points at first level, and he tossed out the max skill rank limitation.
My Bard is a complicated character, but one of the things from her history involves her ability to con people. I also took a feat from the Netbook of Feats called Skill Knack (which is basically Skill Focus reworked) that grants +3 to a skill (which Skill Focus should do anyway, IMHO), and put it on Bluff. So, she's a first level Bard with +13 to Bluff checks. She's also got some good knowledge skills, along with Disguise, and Gather Information.
But, mark my words, if we spend too many games in the middle of a dungeon, or in the middle of the wilderness, I will make a new character. The Bard will absolutely suck in those environments.