The idea of this character is to scare combatants on the field, break weapons, trip enemies trying to get past him, and just pretty much terrorize his threat range. OH and btw I can't do the uber cheese of infinite trips, DM will gay me and make and I swear to god it has happened A flying bird or monster disarm me and take my chain. 
Werebear is worth 9 or 8 levels (6 bear level + 3 for natural lycanthrope template or +2 if inflicted).
Templates add a certain number of effective level to your character to determine the required experience to be at a certain level, to determine your 'Challenge Rating' (that is no how you compare in the encouter table level-wise), to determine the amount of experience you get from a fight, to determine the amout of treasure you get for your starting level. Those extra level do not automatically give you skill points, feat, additional hit dice, stats boost etc. unless it is part of the benefit of the particular template. It really is a measure of how strong you are compare to other charater even if you don't have the same amount of level. Did it help
For example, if you were a Fighter 5 Werebear, you would be considered a level 14 character : 5 fighter levels (16 skills points, 5 feats, +1 to one ability, 5D10 hit points, +5 attack bonus, +4 F, +1 R, +1 W saving throws), 6 level of 'Bear' (so +4 baba, 6d8 hit points, skills, etc. See the MM for details), and 3 level of lycanthrope template, which gives you a few perks (DR, bonus to wis and AC, etc.) but no skills points or additional hit dice.
You would have 91 000 xp, and would count as a 14 level character when determining XP gained from an encounter. You would probably adventure with level 14 PCs (roughly).
add MoMF and / or Natures warrior... and your done..
and maybe be use the shifter race...
Divine Minion
Feral
Ranger 3/MoMF 10/Warshaper 5
I won't even go in to explaining all the ways in which this is broken. Take Obtain Familiar (Hummingbird) for Alertness (required for MoMF) AND Improved Init. Destroy any and everything that crosses your path (until some wizard forcecage's you).
Human with the following templates:
Divine Minion
Feral
Ranger 3/MoMF 10/Warshaper 5
I won't even go in to explaining all the ways in which this is broken. Take Obtain Familiar (Hummingbird) for Alertness (required for MoMF) AND Improved Init. Destroy any and everything that crosses your path (until some wizard forcecage's you).
Don't you need a caster level to take Obtain Familiar? I think it was even an Arcane caster level. Of course... you could just take Alertness...
I don't think the build is really all that broken, either. You get to Polymorph at will with all the MoMF and Warshaper goodies, but that's about it. You're still less powerful than an optimized caster...
Human with the following templates:
Divine Minion
Feral
Ranger 3/MoMF 10/Warshaper 5
I won't even go in to explaining all the ways in which this is broken. Take Obtain Familiar (Hummingbird) for Alertness (required for MoMF) AND Improved Init. Destroy any and everything that crosses your path (until some wizard forcecage's you).
I'm probably being picky here, but you need to have the wild shaping class feature to qualify for MoMF, so unless you get the variant ranger from UA you do not have it as a class feature, even if the divine minion give you fast wild shape. It's probably worded that way to avoid those kind of build. Not that I didin't want to do this myself. And that built is most very (and I mean very) good with 5 level of druid (better yet the variant ranger) instead of straigh ranger and no template.
Don't you need a caster level to take Obtain Familiar? I think it was even an Arcane caster level. Of course... you could just take Alertness...
You're right. Mea Culpa.
I don't think the build is really all that broken, either. You get to Polymorph at will with all the MoMF and Warshaper goodies, but that's about it. You're still less powerful than an optimized caster...
Everything is less powerful than an optimized caster. Broken wasn't the right word, though, so again, mea culpa. But Shapeshifting into gargantuan plant etc and busting some serious butt all while extending reach and having fast healing, is pretty severe, at the least.
I'm probably being picky here, but you need to have the wild shaping class feature to qualify for MoMF, so unless you get the variant ranger from UA you do not have it as a class feature, even if the divine minion give you fast wild shape. It's probably worded that way to avoid those kind of build. Not that I didin't want to do this myself. And that built is most very (and I mean very) good with 5 level of druid (better yet the variant ranger) instead of straigh ranger and no template.
Fast Wild Shape (Su): A divine minion can wild shape as an 11th-level druid into one or more animal forms that depend on the deity it serves (divine minions of Set also have a vermin form). The divine minion can use this ability at will, can change form as a free action, and can spend time in animal form indefinitely. They prefer to keep their shapechanging abilities secret so that they can use them to surprise their enemies in combat. Unlike a druid, minions can use this ability even if they're wearing metal armor.
Is it stretching things, to call it a class feature? Yes. Is it RAW? I don't know. Does it compare to Druid 10/Planar Shephard 10 for abuseability? Not even close. So, would I allow it, yes. The op said specifically he didn't want any ability to cast spells, the above was the only way I could think of off the top of my head to accomplish that. Both Wildshape Ranger and Druid would have spells. Not a lot, but they'd be there.
I'm wanting to build a Fighter that can change shape, I don't want anykind of casting and I'm limited to a max of 3 classes, and the dm gets cranky if you pull feats from more than 3-4 books. I was thinking Fighter/Weretouched master/warshaper. Templates are OK but I'm confused about how exactly they work, such as The ecl for hit dice and figuring the number of feats. I'd like to shape into a Bear/dire bear/polar dire bear something like that. I'm wanting to use the dragon husk ability out of Dragon Magic with this build and retain the ability to use my spiked chain. Any books (have to try and stay in 3.5) are fair Game and I have 90% of them, if not my dm will have it. I'd like the character to use combat brute(breaking an enemy's weapon then owning them in the face makes me giggle) I'm new to the board and appreciate any and all suggestions, BTW I'm at work is why I'm rambling lol.
Wildshaping Ranger (Unearthened Arcana) 5 -> Master of Many Forms (Complete Adventurer) 10 -> Warshaper (Complete Warrior) 5
Changeling Full-BaB class 4 -> Warshaper 4, then go in the direction you like.
Full-BaB class 6(?) -> Bear Warrior (Complete warrior) -> Note: Difficult to get chain use into this one.
Full-BaB class 8 (Note: Recommend some Ranger and Fighter) -> Primordial (Frostburn)
You should be able to add first some Shapeshifter (Oriental Adventures), then Warshaper to the later builds as well.