My brother and I just finished getting 1000 favor for his four alt-alt characters which gives us 500 DDO points and we can buy the first four expansion quest packs. Now those four characters can play almost all quests and will be useful if we ever get other people to join our group.

Meanwhile back to my main account I have on Thelanis:

Khallee - Deep Gnome. This is my main and I've bought a lot of upgrades for it (all character inventory, +8 ability tome, +5 for all skills, largest bags). This one I play with Christopher, Dave W and (nominally) Sophia. Right now we're running through our current Iconic class three times. I'm on second life for Deep Gnome. Next Iconic I'd like Sun Elf as I'm enamored with the light damage.

Khalleea - Bladeforged. Mostly for storage and when I do solo play. Also sucks my XP crystals since I have plenty extra.

Khalleeb - Drow Favored Soul. This one is a transfer from hardcore server. I play this with my brother and am going for Class Completionist (I have all classes available except Alchemist) and already did Sun Elf (Cleric). Next life not sure what I'll take.

Aceyk - Human Fighter. Storage.
Baseek - Human Paladin. Storage.

I have a second account theoretically to support solo play with a Rogue or Bard:

Khallyy - Elf Rogue. Along with Khalleeb I use this playing with my brother. Got it up to 1071 DDO Points and since I don't need to buy quest packs any longer at 1495 will buy shared bank. For this one I might go for Racial Completionist even though I have to buy three races: Aasimar (1395), Shifter (1595) and Tabaxi (1595).