Here's my fav. setup:
Cloud - Mostly offensive power and backup healer: Counter Attack, Comet, Fire-All and 2x-Cut.
Yuffie - Main healer/summoner: Cure3-All, Phoenix, BahamutZERO, Morph.
Tifa - Physical attacks, Enemy Skills: Deathblow, Mega-All, Enemy Skill, Steal (Mug)
Although Cloud looks like a player surrounded by women like that, because before that I always used Aeris and Tifa.
~MJE~