I really appreciate this thread and all the comments. It has been interesting hearing the various takes on things and it is -really- useful for people who don't have tons of NWN experience but understand D&D very well. The translation between the two is not totally clear as you know.
Anyhow, that being said, I took extreme advantage of the 100% RCR in the past few days. It was tedious and time consuming but I went through a bit more than half a dozen builds and 'test drove' the character out in the very same area around Serp. Hills.
My own results, YMMV, was that in the end I was broken up the rack of the Meta.
The reality is pretty close to what metaquad4 stated. You -can- run a blaster caster or 'save or die' type build but it is by any yardstick you measure by "Hard Mode". I mean, -really- hard compared to some of the other stuff I built. I did a couple of multiclass builds that performed admirably especially w/ heavy fighter type focus to keep AB high enough to even hit.
In the end though, I basically rolled a gish. Like I said, I was crushed upon the wheel by the meta. I think another more experienced player can certainly run other builds. But this is my first trip towards 30th so the gishy build I came up with gets the job done far faster and more efficiently than my 'Arch Mage' ever did.
I'm basically running a Wiz / EK / Fighter / Tempest and all those high BAB levels have turned frustration into sustainability. I'm simply wholly more efficient in every regard. The only negative I have thus far is, those Yuan-Tis --really-- like to throw dispel magic. I didn't notice it as much as a pure caster because I was able to shrug off most of them with insanely high caster DCs. Now with just a 'half' wizard I get all my spells stripped off straight away within the first few encounters. So that is annoying, but otherwise it is still a net positive.
Is there a way to counter that besides just having a higher DC to prevent it? I'm almost to the point of not even bothering to buff because every single YuanTi Pureblood out there fires off Dispel right out of the gate.