Thank you guys so much for the great advice! Aww, wish I asked this question earlier, guess I kinda wasted that +1 then... it's all good, I'll know what to pick in future playthrus... which will be a few at least, haha.
BTW, so for my Pally, it would be better if I picked +1 CHA then? And similar to my original question, if I did get +1 CHA, should I respec to the following instead?
Does the +1 count towards the max 20 stat score?
STR 18
DEX 10
CON 14
INT 8
WIS 8
CHA 17 (wear Ethel's hair like a wig to make it 18) XD