1 - you should be getting both dialogue options;
2 - dual weild is STUPID. Take DEFENCE and DUELING for the classic "sword and board" Paladin feel. You can be AC 18/19 at lvl3 15 minutes into the game, and 21/22 before end of Act1;
3 - dump DEX and INT;
4 - to get Heavy Armour you have to start as Paladin. I am not a fan of taking three levels, as that is too close to a Feat level to break off for my liking. IMO 2 Pal/10 Bard;
5 - HA+Shield+Longsword one-handed - or Defender Flail for max tankiness;
You suggest me take STR-based bardadin with sword and board? But how it will work with low DEX? I know about gloves that up it to 18 but in my imagination character with heavy armor< sword< shield and rogue-ish like gloves looks not very aesthetic. And did bardic spells are better than aura of hate of oathbreaker and improved smites?