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Current stats:
Level 13
HC 6
Lg Blunt 6
WM 4
Life 4
Boons 4
Str 40/40
Stam 40/52
Dex 40/50
Agil 25/38
Int 25/43
Wis 39/47
Cha 43/43
Ability points: 2
Stat points: 1
Also the auras that increase your attributes actually add a percentage, which scales off of Charisma, you can get some crazy numbers later on.
I'm retired (67) so have plenty of time :)
You can still recover your stats points are not that bad but it is better to preplan your stats.
15 points in dex can be okay albeit it is better if done at high levels once core build is done.
I have a lvl 50 paladin but she was started on the 1.54 patch.
Many patches happened which nerfed thorns(fixed dmg,no longer benefits from STR) so esentally nature tree is almost useless for the Paladin.
Usually you can go HC 15 for the staff and even WM 20 or around WM 15 and HC 20 and your choice of sub tree for HC.eg.blunt.
LC 2 just for blessing and berserk is often good to just need 1 agi invested.
It is very likely that stat buffs are capped at 200% speed of any kind,with+speed items you can go above that cap.
Also it seems buffs can not more than double your current/geared stats eg.98 str to more than 196 str.So your added 15 dex can be 30 dex at high boon and charimsma levels likely increasing your dps as you miss much less than just adding 30 more str if you already have high STR but 25 base dex.
You can max 5 things to lvl 20 exactly at lvl 50.
Paladin and any other physical damage will struggle againts mummies who have high armor class and 80% physical damage reduction scalar.
But they are undead so boons anti undead spells are very useful againts them even at lvl 15 maybe even at lvl 12 better than your physical attacks at skill lvl 20.
As said above you need 112 str and stamina for HC 20 and your chosen blunt 20.
I think most blunt weapons deal extra damage to many undead types and to buildings but game does not any dmg scalars.
You gain 5 atribute points every lvl so you can do maths how much WM you want.
I recommend at least 13 boons so you can use eternety aura which last for 60 seconds and not 30.With fast walking+eternety you can often reach 200% MS speed to ease traveling time.
WM 12 needs 70W and 60C.
WM 15 needs 82W and 72C.
WM 20 needs 102W and 92C.
Note having 80 or more base/natural charisma reduces shop prices and increase your selling prices by 10%.
WM spells show base values 135 Charsima triples their stated value.
Eg 400 stated healing becomes 1200 +30% attack speed becomes+ 90% attack speed.
But formula is (character's_charisma+15)/50.
Not sure if low charisma(below 65) can drop the effect of spells to below stated base. amount.