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My suggestion is to use that 6th slot to pick up NPC characters, this way you can do their quests in the game also. You'll get extra experience for doing NPC quests, you'll pick up items you can't get unless you do the NPC quests (extra ring of wizardry), etc.
SO I would keep your 5 characters, then you can put a NPC as the 6th character. You can always put in your own 6th character at anytime, such as if you get into a quest where you only have your 5.
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