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Cha affects saving throws, and the cha modifier also contributes to divine shield and divine might. With divine might you add your cha bonus to dmg rolls for a number of rounds equal to your cha bonus, and in divine shield, you add to your ac the same way. Both of these feats work off of your turn undead ability too, so extra turning may be a good idea.
For me, I'd go with the cha on lvl ups until at least 20 or so, which would still allow for a very playable char. Starting stats, I'd put str at around 14, with dex, int and cha as well. Spells are wis based, but pallys only get to lvl 4 spells, so a final wisdom of 14 should be fine.
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