It's not easy to max all relevant attributes as Pal without godly gear. That said, you absolutely can max both WIS and STA unbuffed even though you put all points into CHA at character creation. CHA is difficult/impossible to max unbuffed without gimping yourself.
If you have a significant level advantage over the mobs you'll get less resist and thus, CHA will matter less. Otherwise it's a useful stat that will give your Paladin a useful tool and added dimension to the class.
For survivabilty I'd argue that WIS is the most important stat, particularly for solo. STA mostly matters for tanking and will rarely matter in a group setting and if 20 STA makes the difference in a raid they'll probably have replaced you with a Warrior anyway.
Half-elf is a pretty garbage choice for Paladin I feel. High Elf offers the best CHA and WIS and is the best choice in the long run I feel. Human has better rounded stats but eventually none of that matters with raid gear, raid buffs and primal weapon if you ever get that far. Dwarf has the best melee stats and good WIS but eventually none of that matters and the +5MR bonus comes at the price of not being able to wear a robe. Erudite also has the +5 MR bonus and can wear a robe but has lower WIS and CHA than High Elf.
I'd probably go Erudite for fashion. +5 MR is arguably worth the -10 charisma and any other stats don't really matter once you twink past all difficulty and then get raid geared.
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