Nariko Ellen (Folklore, for those that don't know), with
an awesome set of moves consisting of different Folks Jeanne (Jeanne d' Arc) Jennifer Tate (Primal) Alundra Gabe Logan (Syphon Filter) Spike or Specter (I think Specter would be more fun, since he's an evil genius monkey!)
Acquiring Lums give you access to a massive roster
of different characters to play as (they've all got the same
move set), while you can also collect your own personal zoo
of awesome little creatures who also just so happen to give you bonus Lums every day!