I like to start with something like Wizard, Apprentice, Barbarian, 2 Archers, 3 Thugs, 2 Thieves. That spends all your starting cash and gives you a full band. Barbarian can be exchanged for Templar or Knight if you like, and the ratio of thugs to thieves can be varied by prefence as well.
Bears, imps and zombies are multi-purpose in that they can be both summoned and used as random encounters.