Adventuring parties full of people's characters are well and good, but what about the NPC adventuring parties out there? Someone's gotta be neutral competition every now and then. You and your party of PC's can't always be the only tough-looking group of hombres in the tavern on that stormy night can you?
When dealing with NPC parties, they tend to lean on the side of two-dimensional. Above you have the stern and honor-bound warrior monk woman, the sneaky and deadly Elf rogue, and the quirky, absent-minded Gnome wizard.