Since I'm curious about MoI and not that familiar with it I'll take those numbers.
LN Dragonborn Water Orc Incarnate 20
Important Stats:
Str: 18+4 (racial)+5 (inherent)+6 (enhancement)+5 (levels): 38
Con: 14+4 (racial)+5 (inherent): 24
Soulmelds Shaped:
Incarnate Weapon
Spellward Shirt (Bound to Heart)
Incarnate Avatar
Crystal Helm (Bound to Crown)
Apparition Ribbon (Bound to Throat)
Vitality Belt
Airstep Sandals (Bound to Feet)
Illusion Veil (Bound to Brow)
Benefits: Immune to 4 spells of 6th level or lower, all attacks have the Force descriptor, can become Incorporeal (and keeps all benefits of his soulmelds when doing so), can Fly with Perfect Maneuverability, can See Invisible creatures 24/7. Has a Longsword, and can get up to 8*20 in HP from Vitality Belt.
Essentia: Depends on feats taken, but base of 28 (Bonus Essentia is a given).
Feats: Expanded Soulmeld Capacity (Incarnate Weapon), ESC (Spellward Shirt), ESC (Incarnate Avatar), Bonus Essentia, Leadership (Bard focusing on Inspire Courage out the ass), and any 2 feats of your choice.
Items of Note:
Belt of Giant Strength +6 (can be worn because you arn't binding the Vitality Belt) 36,000gp
+10 Mithral Breastplate 14,200+any other effects you may want (like Fortification)
Skin of the Proteus 84,000 gp
Manual of X (137,500gp)x2
Ring of Force Shield 8,500gp
Incarnum Bracers 15,000gp
Incarnum Circlet 15,000gp
Incarnum Ring (Robe relocated to Ring slot) 15,000gp+Whatever it costs to move the item to the Ring slot
Essentia Helm+Incarnum Focus (Helm) 19,500gp, acording to my calculations.
Total spent: 471,200 gp. Less than the normal WBL for a 20th level character, allowing plently of leeway for the Incarnum Ring and Helm item.
Total Attackn Bonuses: Assuming IncarnumRadiance is up and max invested into the Weapon and Avatar (8 each, 1 from ESC, 1 from Focus item, 6 from levels), you have a +19 (Str)+10 (BaB)+5 (Radiance)+8 (Incarnate Weapon)+8 (Incarnate Avatar)+ Whatever the Bard can give you (assuiming minimum of +10 from Inspire Courage, Words of Creation, and Song of the Heart)=+60/+55 on the first two attacks. THis gets dropped to +58/+53 if you play a Warforged, but you get a +43 slam attack out of that deal (and potentially more if you add in Second Slam and Jaws of Death) and dropped to +59/+54 is you are a Skarn (which gets the +43 Spine attack instead).
Those two attacks from this orc are dealing 1d8+8+28+10, for an average of 50 damage per hit. With attack bonuses high enough to hit Big T (even when Power Attacking for 10), you are easily a noticable tank, and very annoying to take out due to your heavy defenses and HP (which can get +70 at any given point during your turn). Oh, and you can have SR 33-38, requiring most spellcasters in the SRD to get a 13-18 just to affect you with their standard spell lists (the Lich alone has almost no SR: No spells). Your AC is reasonable (but negligible to most CR 20s). You have the mobility to walk right up to a Dragon and smack it (depending on its AC, this may be automatic for you).
This is just one of many possible tricks an Incarnate can pull off. The Totemist? Well, they have tricks of their own (which should be obvious for anyone who read my CO Diary from Failmax, Eisin was a notable house even without his WBL).