I bring aerie along and leave it at that. Even though she is not the best cleric she has other abilities and I can not justify bringing another cleric when I can use that spot for a tank.
I usually end up with:
Me (Cavalier cuz I love rockin' the dragons
Minsc (cuz he is minsc and I have known him for 3 years now)
Mazzy (archer-tank = good and she is not at all annoying)
Aerie (the "swiss army knife" of BG2 spellcasters)
Jan (because no other thief option exists)
Imoen (she's my seestor after all and she and minsc and I go waaay back
I wish you could have 8 people in your party.