[hcobb]

So if you'll concede the point that talents are really worthwhile, what's the four character team look like?

ST 8 DX 13 IQ 11 Human Thief
Maul(1d)
Physicker(2), Woodsman(1), Locksmith(1), Remove Trap(1), Naturalist(2), Detect Traps(2), Alertness(2), mundane talent: Miner(0)

Note that this character is maxed out at IQ 11 and should advance other stats in the future.