Alright. I could use some help. I've picked my starting ability scores and skills, and am trying to think of where to go from here. I know I am building a Paladin with the aim of moving on to Cavalier later on.
I picked skills to meet the pre-reqs for Cavalier when I'm ready, but there are still the feats to get. The feats to get into Cavalier all relate to horse riding and lances (which are best used from Horseback). I wont be of much use if I focus too heavily on horses before level 5 however, because that is when I can call a steed to wherever I am. I have a feeling keeping a Mundane Horse and bringing it up river by canoe until then will just not be practical.
So, I guess my question is should I grab feats that help now? Or take the cavalier pre-reqs that will not be of much use for a few levels?
I also need inventory help. I know I need Armor, a Lance,Weapon for Non-Mounted Combat, standard adventure supplies, and perhaps a ranged weapon, but beyond that I am lost.
Link to Sheet: http://www.myth-weavers.com/sheetview.php?sheetid=689171
Link to Cavalier: http://dndtools.eu/classes/cavalier/
Thanks in advance for the help, I'm going to crash now and hopefully finish the sheet after school tomorrow.
A mounted character is going to have problems in general, due to rough terrain being par for the course. It would probably suit you best to find a mount that can charge across rough terrain (or a flying mount) before worrying too much about the rest. Outside of that, save the Spirited Charge until level 6 or 9 (you can enter a Prestige class at the same level you meet all the requirements for it). You can take the Weapon Focus (lance) early, as you can use the lance as a reach weapon for at least a round (and depending on how many hits you want to tempt, you can also move away and then attack with it again). The Cavalier uses a sword as its backup weapon, so you should choose a Longsword as your alternate weapon to make the most of it. Rather than getting ranged weapons, I think we actually have enough ranged tools that you could get by just through using your Aura and Lay on Hands abilities. You'll only have a heal pool of 9 points immediately (level 3 x Cha bonus of 3), but you're going to be cutting it close to your desired weight limit as it is, so you don't want to also be carrying ranged weaponry. In an emergency, you'll be using your shield and retreating anyway, as the Paladin is going to be very slow and won't be able to catch many things.
For armour, you're going to want Masterwork Banded Mail (not Half-plate or Full-plate; those absolutely require assistance to equip unless you want to face heavy penalties. Banded Mail can be adorned in half the time with help, so if help is available, Banded is better in general.) You're also going to want a Masterwork Heavy Steel Shield, to bring your total AC up to 18 (19 with my buff). The biggest issue you're going to have (and it's a pretty hefty issue) is massive Armour Check Penalties. You'll be facing -6 to your rolls for a lot of physical skills and a whopping -12 to your swim skills.
If you want to go lighter armour, you're going to be less protected, but the armor check penalties won't be nearly as severe. In that case, Masterwork Chain Shirt + Masterwork Heavy Steel Shield brings your total AC up to 16 (17 with my buff) and your Armour Check Penalty to -2 (-4 for swimming). 2 difference in AC might seem small, but it's dangerous if an enemy can hit you on an 8 or better.
As far as feats are concerned, you only need 2 of your 4 prerequisite feats for Cavalier now; the other two you can pick up at level 6 and level 9. It's entirely up to you if you want to be ready for mounted combat when you get your Paladin mount or if you want to be more versatile until then. As a Human, you'll have 3 feats, so you're going to have 1 floating feat. Maybe grab Improved Initiative or Power Attack?