Putting your points into Cha only helps if you plan on being your groups primary puller or if your soloing. Since you're going with an elf, I wouldn't even bother with it, as their Cha is already sufficient.
If you can mildly twink your Pally out, then I would probably throw your points into Wis. A higher mana pool is always a plus. Your gear is going to address your hp, ac, str and sta so you aren't always going to add to your wis/mana numbers until you get some higher end stuff, whether thru raiding or paying lots of plat.
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