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Originally Posted by loramin
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Everquest was (loosely) based on Advanced Dungeons and Dragons, ie. v1.0 of the rules. You're referring to v3.0/3.5, where multi-classing works very differently.
The main difference is that a 6th level fighter/wizard in AD&D had most of the advantages of both a 6th level fighter and a 6th level wizard, whereas in 3rd edition that same fighter/wizard would have the powers of a 3rd level fighter and a 3rd level wizard. As you note, it's much better to just be a 6th level wizard in that edition. In AD&D though multi-classing (which didn't allow for druid/fighters BTW) was incredibly powerful, so they needed an experience handicap to balance it.
The Mystic Theurge prestige class in 3.5 is kind of close to a AD&D wizard/cleric, if that helps.
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I think you're misinterpreting multi-classing and theurge-like prestige classes. A level 10 character that is 5 druid/5 fighter uses roughly as much exp as a lvl 15 character that is pure or prestiged.