Rolling for a paladin

[reapersaurus]

what the heck does "is a paladin playable at 28 points" exactly MEAN?

Of course, he's playable - anything's playable. People can have fun with any stats - the play of the character is not necessarily about the stats.

Now, if you mean, "is 28 points enough to make a combat-capable paladin", now that's a Rules Forum question, and is hotly debated.

But as a player of paladins in 3E, I can say that 28 points is the bare minimum, and that's pretty painful for AC and INT.
The real key IMO is the CHA - unless you have AT LEAST 16 CHA, than you are not using the benefits of the paladin properly - you should stay as a fighter.

Going into it futher is a Rules Forum thread.

 

[FireLance]

Pshaw. My Paladin had worse stats than that, and he played just fine.

Of course, he did die this weekend, but that's because I thought I could take on 4 wererats by myself... knew I should have ran when half the party failed their saves vs. Hold Person.

For what it's worth, I think you did just fine. Risking your life to defend your companions (even if you did fail) is very paladin-like.

 

[Halivar]

By the rules, +3 +2 +2 +1 +0 -1 = 7 > -3. You only reroll if your accumulated mods are less than -3. Of course, in our group we have more fun if we let people reroll if their accumulated mods are less than +3.

You stats are very good, though. I would suggest bumping that 16 to 18 by taking an appropriate non-human race. For paladins, good choices are Gnome or Dwarf if you want to be a hit-point monster or Half-orc if you wanna lay the smack down with a +4 STR bonus.

If you wanna break the stereotype and go for a dextrous finessing paladin (far too underplayed, IMHO), elves and halflings are a good choice if you don't make STR your dump stat. Weapon finesse and power attack are your friend.