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VerdantSF,
It depends entirely on the style of cavalier you want to play. I have a level 15 halfling Order of the Sword cavalier (Venture Captain Grayson and his faithful WARPIG! Ozzy), and have had an incredible time with him throughout his career. Probably the most fun PC I have had in nearly 30 years of gaming.
His starting stats were
Str: 16
Dex: 12
Con: 10
Int: 10
Wis: 8
Cha: 16
At level 12, he had reached
Str: 18
Dex: 12
Con: 10
Int: 10
Wis: 9 (hey, he got EVER so slightly more observant)
Cha: 16
He does ridiculous amounts of damage while mounted, has a decent armor class in +5 full plate, and acts as party face most of the time.
On the minus side of things, he is quite obviously a glass cannon. The low Constitution has taken him out of the fight on more than one occasion, and his low Wisdom means that most of the time he is not aware of what is going on until Ozzy starts jumping around. He is also somewhat prone to being gullible.
Even with those flaws, he has been immensely fun to play as a sort of out-of-touch halfling playboy who always thinks he is in charge.
I guess my point is, play the character build you want. Don't worry so much about whether a +1 here or a -1 there is going to impact the table as a whole. Be prepared with ways to deal with the negative bits you build in, and roleplay them to the hilt.