Here's a small guide on how to best optimise your character builds in Baldur's Gate: Dark Alliance. Most of the information has been copied from IGN and GameFAQs (all credit goes to those, I will mention each author as appropriate) 

Note: if using xbox controller just substitute the buttons Level 20 Character and 75000 gold: When in play mode, press L1, R2, Triangle, Left D-Pad, R3 and start simultaneously to instantly make your character 20th level, with 75000 gold, 1000 Health and 1... 

If you're like me and think Balls Gate is NOT enough of a challenge, then I've got some good news for you.