Because of items that you can get including the super-duper greensteel -/-/- or greensteel +/-/- item, you should never again plan a build with Paladin 3. The +1 AC enhancement, +1 Save enhancement and 1 extra LoH is nice but not worth it. You get Divine Grace at level 2 Paladin and that's the main reason for Paladin levels as of Mod 6.
Discuss amongst yourselves!