great, very great, all nice, but here is a problem, the values you show here are something you can get at lvl 28!!! to get that much charisma you need to nearly dump all other stats and on paladin that needs most of those stats its shot in foot, becouse till you reach the levels your so perfect charisma will be giveing you so low bonus it wont even matter. dont forget that we are talking NOT ABOUT DESTINY EFFECT but a thing you can take BEFORE EVEN PALLY GETS TURNS!!! (its stupid but it is like that), what will be your cha bonus at lvl 4? +4? so you will have +2 to damage? this is soooooo worth it. so worth dumping all other stats to become spellsinger bard alike.
second thing you calculate +4 tomes and +11 items, you are talking from the high point of a person that starts in this new system with lvl 25 char, haveing bank full of tomes to spare, and used probably +4 on everything, what about ppl who DONT HAVE THAT, F..k them? paladin was never, NEVER meant to be a min/max class. and let me tell you that even if you get that 50 str + those 30 second bonuses to raise that even higher, fighters, barbarians will still laugh at your dps.
also you ask who cares about some +3 insight items not stacking, i think everyone who farmed their sanity off on getting their current gear with such bonuses and now they are being told that they wasted time and can discard it and start again, seriously?
divine might should be 1 tier only, based on pnp version, so requirements of haveing enough str and haveing POWER ATTACK, and giveing charisma mod to damage, with duration based on cha mod, changes to core class abilities like that are again showing that its not DND based game but Turbine Dungeons, more changes like that and we will have another neverwinter....... tyvm.