No offense to you guys, but this is why I don't play RPGs with other people. Instead of playing a role almost everybody is trying to make "efficient" "overpowered" characters as if it was some sort of a competition which you can win. I think entirely the other way around, I would make my character a wizard because and only because this career choice matches his personality, background and so on, and multiclass only when it looks like my char really would. And would not give no heed to efficiency and power. It would be the DMs job to match difficulty level to our characters, not the other way around.

I will have to invent an RPG where all armor has the same AC, all weapons the same damage, so that players don't try to make overpowered optimization monsters but plain simply choose whatever matches a characters style, background, culture, or the players general sense of coolness. Thus, for example, a player would be comfortable with a fighter character that wears no armor and carries only a rapier because he is a D'Artagnan type swashbuckler, that is his personality, background and style.