| Tomathy Jones |
Spirited Charge:
Benefit: When mounted and using the charge action, you deal double damage with a melee weapon (or triple damage with a lance).
Mounted Skirmisher:
Benefit: If your mount moves its speed or less, you can
still take a full-attack action.
Paladin's smite does twice his level in bonus damage, and he adds his Charisma bonus to his attack rolls.
At level 20, the paladin is going to have an attack bonus when smiting equal to about +37. Assuming that he has a +5 weapon, a 26 Strength (a little low), and an 18 Charisma (also low). Using Power Attack, it's going to drop to +31 (for a total full attack sequence of +31/+31/+26/+21/+16).
Now, a balor has an AC of 36 and 370 HP. The paladin, upon smiting him, is going to do 1d8 + 40 (smite) + 18 (PA) + 5 (weapon) + 12 (two-handed Strength bonus) damage, for an average of ~80 damage on an attack. Combine this with Spirited Charge and you're going to get a ridiculous 240 damage.
Unfortunately, with Mounted Skirmisher, the paladin can make a full attack when his mount moves less than its total speed. So have it charge the balor and the paladin gets a delicious full attack with all the benefits of Spirited Charge. So, yeah, he's doing 240 damage per attack against the balor. Assuming five attacks with a weapon of speed, and you can see where there might be a problem here.
Against the balor, the paladin is going to do an average of 192 + 192 + 132 + 72 + 12 damage in the full attack sequence, or a whopping 600 damage, slaughtering the balor to shreds.
Problem? Maybe.