No matter what you do you will be gimped in one area or another with that template. You cannot be a Necro/Mage/Warrior. Not enough skill points to go around. You have to have anatomy for swords, else you hit like a what? A girl. From what the devs have posted about spirit speak, you cannot live as a necro without it. I have never tried it without it, GMed spirit speak before AoS. You need med for magery since battle focus alone is twice as slow as Meditation (only diff is you can wear any armor with focus). If you kept both you would have A LOT of mana. Also, the healing skill is almost a must.. unless you have GM spirit speak (might be good enough). Disarming and then casting G-heal while be hit on without protection is not easy to do. And protection lowers magery by 30 points.
Also, I do not know how dex works with the new combat system. Does it still affect your swing speed? If so, if you lower dex, you will swing slow. Unless you have a +25 stat scroll, I can't see a Necro/Mage/Warrior as a possibility. Maybe you could sweet talk a GM into 400 more skill points or so.