[uygi]

From a technical perspective, none of your concerns are going to be a real problem. Starting city and race/class/deity faction issues are easily worked around. Ports are readily available on P99 and if you mention your situation starting out nobody is going to mind offering a free ride. Faction can be largely fixed in a great many places: Highpass, Freeport, Qeynos, Rivervale and even Cabilis, Firiona Vie and Overthere. Also consider that FD classes can bank while FD, sneak classes can do almost anything while sneaked, and anybody can bank if they stand behind a corner and pan their camera around to click the banker.

You don't say how old your kids are, or what their attitudes are. If you just want to play and run around and kill stuff and do some quests, virtually any 3 classes will work for that until you get to epics; somebody suggested 3 clerics which while not being the most practical solution would still work. If you want to be able to progress everybody to 60 and do some higher end stuff, you can go trio Howling Stones or Sebilis Crypt without additional people, but you'll need to be a little more selective.

If you're just casually trio-ing, you're probably not going to kill stuff that really requires a warrior to tank. A paladin, SK or monk will probably be fine. Just consider that you'll need something tank-ish, you'll need some DPS, some heals and some slow for long-term viability. Paladin-Shaman-Monk would give you a lot to work with; Paladin can LoH, heal some and rez later. Shaman isn't a great healer til 60 but offers tremendous utility with root, slow, DoTs, buffs and SoW. Monk gives you some pulls and DPS.

Like others have said, you can min/max this all day long!