To farm, you must have gap 9. That is a different of 9 between your higher mastery and your level. For example, if you are a warrior/cleric level 32, you must have warrior and cleric masterys at 23 (32-23=9).
When you level up to 33, your gap is 10, useless, so you must delevel to 32. How should you delevel? With mobs. If you pk, your loose experience and sp, and you dont wanna loose sp
If you wanna farm with taxi, you should know too that the best is 11 level of different between you and the mob. For example, if you are lelvel 32, the best for you is a taxi who kill level 43 mobs.
If you are going to farm by yourself, the best is a level when you change the weapon: 24, 32, 42, 52... and a sos weapon is a good idea.
And, as XMoshe says, for a warrior/cleric 10 bard is useless. Yes, now you have some speed, but when you come to 100, is more important have 100 cleric than 90 cleric/10 bard.
I hope this post can help you
