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By the time you get to the creche, you can have a decent supply of cloud giant elixirs (27 strength), the dexterity gloves (18 dex), and the warped headband of intellect (17 int if that matters to you), which should leave enough left over to have at least 14 in CON, WIS and CHA, so if you wanted to dump CHA you could just do something like 17 CON and 16 WIS before ability score increases at that point.
I dunno why you'd multiclass a paladin and cleric really, though it kinda sounds like you just want paladin in general.
Also, consider 2h vs 1h+shield. Ofc you can go either way with both classes but I think a 2h paladin smacking the holy light out of everything makes more sense than a defensive paladin. Cleric is more of a defend yourself + support the party kinda role in my view.