| MrCharisma |
Pedantic clarification:
To be more specific, the Paladin will use whichever bonus is higher, for example: A Paladin with 12 CHA wearing a Ring of Protection +2 would use the ring's deflection bonus against all targets. A paladin with 14 CHA wearing a Ring of Protection +1 would use the deflection bonus granted by Smite Evil (+2) against the target of their smite, and the bonus granted by their ring against other creatures (+1).