OK, I see several things I want to respond to...
Insight - was the Ghost an integral part of your 'cleric' idea, or were you just doing a cleric b/c the party wanted healers? You could do a non-ghost cleric if the priest angle still appeals to you. Otherwise, if you want to play a melee bear, I have a suggestion for you...
Drop Wearbear and a few brb levels... instead take Bear Warrior 10.. It replaces Brb rage with you turning into a Dire bear with the following exceptions: Instead of gaining the bear's str/dex/con, you take your own with like +20 str +8 dex +X con. Then, take a few levels of Warshaper, which gives you several good bonuses whenever you're bear-shaped. make your base race Orc or 1/2 ogre(savage species)
Bear Warrior and Warshaper are both Complete Warrior.
Also, if you're worried about all your gear melding when you bear-rage, you could take Vow of Poverty, and make your character a 'righteous wrath' character instead of an "uncivilized berserker".
Darimaus - About the double half-dragon thing... Technically you can't add half dragon twice b/c it says it can't be added to a dragon, and it changes your type TO dragon. The only way to change that would be to go 1/2 dragon, then add another template that changes your type FROM dragon TO something that 1/2 dragon can be added to, then adding half dragon again (probably through levels in Dragon Disicple).
Necro-Kinder - Actualy you still need to take leadership if you want a draconic cohort... the Dragon cohort feat just lowers the dragons effective level/HD for purposes of the leadership feat(I think). Also, in regards to Bloodweaver's comments... Yes, Cavalier would make a great addition if you plan on a lot of mounted combat. I'd suggest Pal10/Cav10.
Personaly, I'd stick with +5 Mithril Breastplate, as it costs 35,000 less than bracers+8, and gives 2 more ac (True, it won't work against incorporeal, but that's probably not gonna pop up too often) AND, I doubt your dragon's DEX will be going over 20 anytime soon. Also, check the Draconomicon for good Dragon items if you plan on equiping your dragon, there's pectoral of lesser/greater manueverability, and a few others, too(Keeping in mind it'll have to come out of your own cash for both dragons, as Darimaus stated that their 'hoards' will not be used for items). I highly doubt he'll have a problem with you customizing their feats/skills/spells, but it's probably best to wait for his 'official' say-so. Assuming he says it's ok, There's also some good Draconomicon feats for you.. I can't remember their names off the top of my head, but there's one that improves manueverability by 1 step, and one that increases a True dragon's fly speed by 20' and all other's by 10'.
Nephtys - Actually of the characters I've seen you make, I find them fairly good. (Your mage in my epic game is actually going to be a lot more effective after the current fight, you're just getting boned by these two specific beings you're fighting right now.)
Having said that, Yeah, I'll take a look and see if I can figure something out.
Two other random things.. First, I'm not even gonna go near the archer thing, cuz if I did, I'd probably end up making ANOTHER character(that being said archer).. I like making characters too much.
Secondly,
Jemal : Boat 1
Nephtys : Boat 1
Insight : Boat 1
*Burns Immitation* "Excellent".
(Do we really need the other boats?
)
