If you just start this game and your server hasn’t had Red Skills yet (or you havent been able to unlock them), the safe choice would be Freeze/Slow Team
Elsa, Kristoff, Olaf, Pooh and Stitch work well together.
Now, after you have chose your team, let’s move on to friend disc. For Elsa, Olaf’s disc is better as it will help protect your tanks with shield at the start. Kristoff, Kida’s disc provides healing. Stitch, Maui’s disc makes enemies slower, which is great for your team. Olaf, Moana’s disc for double freeze damage and Goofy’s disc for Pooh for extra armor and HP
Keep in mind some thing. Olaf is kinda fragile (He hasnt gotten his red skills yet). Pooh has low reality, making him vulnerable to fantastic damage (without mods). So, for this team to work, you need to make sure they are strong enough to survive before making comeback attacks
As for me, I’m using a similar team in Coli. Goofy(Mi), Pooh(Go), Elsa(Ol), Kristoff(Ki) and Queen of Heart (Al). I occasionally replace QoH with Olaf for attack and my Stitch right now is not really strong
If you want to use this team in Arena, replace Stitch with Timon to survive Mulan’s green skill. I defeat many Mulan team with this one when Mulan isn’t available, so there is hope! (But then again, I have Elsa and Pooh’s red skills at max lv and Kristoff’s nearly max as of now so there maybe some differences in power)