[quote=@Skallagrim]
It really is not as difficult as you are making it.
[/quote]

Taking the rules literally doesn't mean I'm making it too difficult because it should be assumed you take rules literally unless otherwise stated. It should say, "this is just a suggestion and common sense can allow changes to these rules when necessary" or something like that. If it already does say that then I missed it and am at fault.

[quote=@Rilla]
They don't, but you're assuming their defense isn't as strong as your attack. You use an average Joe as an example against someone with an epic attack, a scenario tht will almost never happen in a combat scenario. 
[/quote]

They wouldn't likely be average joe in all stats, but they may suck as badly as an average joe when it comes to defense, in which case their 1 charge would be pathetic to a 1 charge attack of someone who's good at it, is what I was getting at. Even if they are around equal power overall that sort of match-up could reasonably happen.