Most important “one” or “noun” in a formal sentence

If I use “one” in a sentence, is it considered as formal or informal?

For example, what I want to say is the following:

There are many points that must be taken into consideration.
Nevertheless, there is missing the most important “one”, which is…

or

There are many points that must be take into consideration.
Nevertheless, there is missing the most important “point”, which is…

Which of these senteces is correct, if I want to say this sentence in a formal way? Or are both considered formal?

Answer

Using ‘one’ in this way is not informal. It’s called one anaphora and is very common.

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