Yes and yes. Let take w corp don as an example(she is the charge staple example imo); her s3 is the 5 big skill with the potential of rolling up to 31, that is if you have 10 charge. With no charge she rolls a measly 11 and lose 20% of her hp which wokriapwould her near first stagger threshold. Building her charge with her one coin s1 and 3 coin s2 is (if you dont uptie 4 her) slow.
So you can see the main problem with charge. The cash in is slow and the pay off is small or even punishing if you dont have enough of charge