Magesmiley
Explorer
You know... I'd probably vote for putting the 4 in DEX rather than INT as well. The dumb paladin is more of an overplayed stereotype than the clumsy one.
From a rules mechanics standpoint, the biggest hit is going to be to AC. Odds are that you'll mostly be using melee weapons, so the hit roll penalty on ranged won't be so bad. You'll act a bit slower with the lower initiative, but not horribly so. The penalty on skills (particularly ride) is counteracted by having more skill points.
If the game being run isn't solid hack and slash, I think the skill points (and languages) will pay off more than the AC. Extra points allows you to boost up skills other than ride, like... diplomacy. Remember to try using your high CHA and talk your way through some encounters. In many situations its a lot easier and faster than trying to carve through everything in existence.
From a rules mechanics standpoint, the biggest hit is going to be to AC. Odds are that you'll mostly be using melee weapons, so the hit roll penalty on ranged won't be so bad. You'll act a bit slower with the lower initiative, but not horribly so. The penalty on skills (particularly ride) is counteracted by having more skill points.
If the game being run isn't solid hack and slash, I think the skill points (and languages) will pay off more than the AC. Extra points allows you to boost up skills other than ride, like... diplomacy. Remember to try using your high CHA and talk your way through some encounters. In many situations its a lot easier and faster than trying to carve through everything in existence.