You... could do it any of those ways. One of the ones I won with mostly talked their way out of everything, with a side of stabbing (sword/board), not really bothering with charging or the lance, just the starting holy sword (well, one of the others did that literally -- used the starting +1 holy long sword for pretty much the entire game. Holy is a helluva' brand.). I've actually only charged something, like. Probably five times total in all the years I've played Incursion
I understand it
can get pretty incredibly powerful (though it takes a druid to get things really silly, mostly), but there's more opportunity costs and setup involved than I'm normally willing to bother with. Easier to just stab things and not bother charging at all.
If you're going for weapon swapping shenanigans, I'd probably aim for quick draw or whatever it is, to keep from being murdered while swapping. Or just keep stabbing with the lance. You
can back away and re-charge (or back away for the weapon swap), but that involves potential attacks of opportunity and whatnot. Something to be careful with.
... but ultimately the answer to your question is "Yes." more than anything. You can do any of those and manage decently well, it's just a matter of how you work it. Just pay extremely careful attention to what whatever you're charging is wielding. Charging something with a reach weapon is a good way to get absolutely
demolished, iirc.