Happily, my RoughRiders have never been charged to date.
But I am a little concerned should RRs w/Lances get charged:
It is clear that the RRs are compelled to use their Lances if they are charged (and if it is their first CC of the game).
It is also clear that the +2 Init and +2 Str do not apply if a Lance-Bearing RR is charged.
But if the RR is charged, and his lance has not yet been used, does the lance still ignore armor saves? It seems to read this way. It seems consistent with the fluff that the tip would explode upon first use, regardless if charging.