Reason 1: too little charm slots Reason 2: amulet is a LOT better Reason 3: And you will get the sword of gods later on in the wastelands which is also A LOT better than the holy sword.
If you are in a sticky situation then the best tactic is to get out of it.
my expierience is that the sword of the god seldom beats my holy sword. And i alresdy have a very good amulet. And charms.... wel that would be the only thing i agree on.
Joliekiller, paladin on a crusade against (almost) all evil.
I like frost, I would go for sword 3. Although I prefer to get a holy amulet, the amulet I got is incredibly good 5 charm slots and great stats, and get Sword of Gods later.