But on the Warrior-100/Bard-100 You would be faster getting where you need to go faster killing the mobs and getting to the next mob, it would be a bit harder to kill a boss on your own because you don't have that healing a cleric does...
Warrior-100/Bard-60/Cleric-40 You could still have that extra speed you lack when wearing your HA but you still have those buffs and heals you get from a cleric just not as powerful as a 100 cleric.
I would probably out of those 2 vote for the Warrior-100/Bard-60/Cleric-40
ps. Maybe try if you don't want as much bard you would switch around Bard to 40 and Cleric to 60. Hope I helped ^^