After some trial and error I ended up with a barbarian / rogue, druid, paladin / rogue, and celestial warlock.
Barbarian: The barbarian started pure but after running a few quests normal, then hard, it became clear she takes a ton of damage and cannot survive big traps. Therefore, to ease leveling, I remade her with a level of rogue. I have not done much with her since.
Druid: On normal difficulty, this character constantly gets swarmed and suffers big damage in every trap. Her attacks one shot stuff when they do not fire off into the ceiling, floor, or wall. Targeting is really bad but I continue to try.
Paladin / Rogue: So far, this character works okay normal, then hard. I have no confidence she can survive on elite.
Warlock: This character made it the furthest so far, running mostly normal. Splinterskull was easy on hard since I was able to avoid almost all the traps. She hits okay and has good hit points. She uses lots and lots of cure serious wounds potions.
Notes:
1) The zap zap attack stutters which I find really annoying.
2) The chain zap ricochet is fun, especially when it shoots around corners.
3) For a few levels I put points into all the defensive enhancements. Eventually, I noticed my character's physical resistance rating and magical resistance rating were really low. Reading more carefully, the defensive enhancements do not work when Zap Zap and Dancing Zap are engaged. Umm...what? I pulled all the points out of the useless defensive enhancements and put them into light spell power. Nope. That made almost no difference. Another level later, I switched back to the useless defensive stuff to reach the 3d4 light damage. This is typical DDO--create something almost fun, then make sure it is useless.
4) Shining through and the other thing that adds temporary hit points are very useful.
5) The burst attacks are almost useless because I want to stay away from monsters. By the time I want to use them, I am jumping for my life and zapping. Maybe this was deigned to play with a game box controller.
6) When breaking down a door or clearing spider webs, I need to turn off Zap, clear the obstacle, then turn Zap back on. This was super annoying in Spawn of Whisperdoom. For target levers, I need to switch to a bow. This is super clunky. Amusingly, I am not strong enough to break down a door but shooting it with two or three arrows causes it to blast apart.
7) Traps are a real problem. Even on normal some traps hit for about half her hit points. On hard and elite those traps would kill her.
8) Leveling from 13 to 14 is very painful.
Notable Encounters:
1) On Sorrowdusk Island on normal, the priests cast a spell that takes away about half her hit points. Fortunately, she was never hit twice.
2) In Death House on normal, the sword trap right before the skeleton ambush almost killed her, inflicting about 180 damage. Fortunately, a quick heal by the hire saved her life.
3) In Fresh Baked Dreams on normal, she survived a wolf pack swarm.
4) In Trial by Fire on normal, she almost died at the second troll camp when trying to jump over a group of trolls and lagging. If not for recently acquired Shining Through and hire heals, she would have died.
5) In Trial of the Archons on normal, she was almost killed by Blades of Shavarath right next to the first portal. The hire, Miranda Kelvin, saved her life, only to get cut down herself. This all happened in three seconds. She jumped away and teleported out and will not run that quest. In all my previous runs of that quest, I was never attacked by Blades of Shavarath there.
6) At level 14 I ran The Lords of Dust chain on normal to reach Eveningstar. In The Spinner of Shadows, on the last round versus the Spinner, Mister Guardwell was one shot within about 5 seconds. She was hitting very hard and Shining Through was about to go down so I teleported out of the quest. I will use a more powerful character to get the warlock past it, which is fine.
Since the celestial pact warlock seems the most sturdy, I will take her to 20 first and see what happens. The thought of taking her into Elite or Reaper quests now is laughable but maybe at 20 something will change.