Paladin: 95 CHA in seb as puller, no issue at 60

[greatdane]

On P99, for whatever reason, mobs become completely unable to resist if you're sufficiently higher level than them and they don't have higher MR than whatever is the default for trash mobs. It wasn't actually like that back in the day, or even to this day on live servers (including TLPs). It's a "feature" unique to P99, or at least to emulated servers. Basically a bug. Using a level 60 character at ABC, it wouldn't have mattered if you had 1 charisma when casting on the mobs that are below whatever the threshold is for a 0% resist chance. Charisma makes a pretty big difference when you aren't casting on mobs that are like 10-15 levels below you. Your assessment of charisma's effects on crit fails isn't really valid outside that particular context.