I have to tell you, I run a 13 Pal/3 Monk/1 Fighter, and I almost NEVER lack ki - and I don't even have a monk animal enhancement anymore! (had tortoise early on, but couldn't fit it in the build at high level) Fire stance and TWF skills are the key, and you attack even faster unarmed. Plus, make sure your Concentration skill is huge - it determines your resting ki and decay rate. Mine was 40 (about half the total!) by level 15 after gear (+13 with Garments of Equilibrium), which means I can start maps with a hit of Align the Heavens before the casters do their buffs (they'll love you for it). But, alas, you'll need 3 monk for that. One of the nice things about combining with paladin is their 'focus of good' enhancement, which for 1 AP gives 3 Concentration (2 more AP gives 6, and 3 more AP gives 9!). I can only afford 1 tier, but it's a good deal. And since the finisher is going to be borked, you'll have lots of ki to spend on the other finishers, especially AtH for your spell-based heals.