foamflower

That is, don't base your character choice around how cool their level 20 abilities sound. If you want to multi-class but the idea of losing a level 20 perk is holding you back, do it anyway. Most campaigns hit their stride around level four and will exist till level 10 or so (for games I've played, this is how far I usually get after one year of playing every other week for six hours). At that point, generally someone has a major life event that causes them to drop, or characters die, or enough changes to the point where your original dream for your current character is no longer relevant.

By privileging the first ten levels of your character over the last ten, you'll have a ton more fun in the present, and by the time you get near level ten, you'll have a much better idea about what you want to do with your character moving forward.