Eh, I'd probably just go the usual Persona route - use the starting team and then stick with them all the way through to the end.

...though I kinda think Kotori would be a pain to level up, given that she has probably the lowest hp, strength and endurance all in one whilst being weak to the most common element and having no physical skills herself. Gotta hope she at least has the mp and magic growth to make up for it later on.