OOC:
Okay first off -- I want you to understand I am not singling you out -- I am simply using this situation to help you and the rest of the players get a better understanding of how Setbacks might work.
Next it appears I missed labeled your characters personality aspects due to the order in which you had put them -- my bad and I fixed it -- but regardless you can still use any Trait, Ideal, Bond or Flaw and/or any combination thereof to invoke a Set Back just to keep that from being misunderstood
Next I think you missed the point -- in this situation you are not really losing anymore than you were basically outlining
Benefits of a Charge:
1) The charger gains additional Speed -- your character does not need this
2) The charger gains Advantage on their first attack roll -- okay this you were willing to give up
3) The charger can attempt to Overrun their target -- the additional item I am saying you lose
---- The Only Restriction or Bad Side-Effect that really applies in this Situation ----
All movement within the turn associated with the Charge Action (both any allotted movement used just prior to the Charge Action and the movement taken as part of the Charge Action) must be in a straight line, with no curving to the left or right.
And while this one [
The charger provokes Attacks of Opportunity (per its rules)] would still be out there along with the other restrictions -- it is not any more applicable than your character having to deal with difficult terrain since neither are currently applicable.
So that means I have one restriction that I could bring into being that would cancel your Attack of Advantage -- is this worth a Setback and could it be done yes that would be worth the setback and yes it could be done -- further I agree it does seem somewhat cold-hearted -- to just switch targets in mid-stride
On the flip-side -- if we are not applying the above restriction then I must ask -- Why and/or How are you applying Disadvantage to your attack that has Advantage due to one or a combination of your Personality aspects?? In the example they show a person applying Disadvantage to their Save because they were distracted by the shiny piles of gold due to that being one of the things they can be distracted by. So then I have to ask if you are not changing targets mid-stride then what reason are you applying Disadvantage -- I see nothing in game that warrants that application but I am open to suggestions and ideas as to the why/how.
Note this is to say -- No -- One cannot just apply Disadvantage willy-nilly to anything -- One must have an in-game reason for that Disadvantage cropping up -- The shinies distracted me -- I changed targets mid-stride -- I sneezed loudly as I was sneaking up -- etc... Might these Setbacks be more significant than initially thought -- yes they can but then again it is supposed to be significant after all
Next I do not understand your comment "rather not risk it" -- what are you risking? -- further it "doesn't seem like a good pay-off" but that is the whole point of a Setback it is not supposed to have a good pay-off its supposed to be a "significant story setback" -- where you then get an Inspiration Point to use at some later point in time to hopefully help advert a really bad situation maybe
This part is meant to help me understand the reason for those comments -- as I am feeling I am missing something that is getting lost in the translation here -- yeah sometimes I can be slow to pick certain things up but then that is why I ask for clarity.
As a final note -- you could just have your character veer off and circle back around for a go at a zombie on the next round ignoring Brindel's situation then you could get the Setback and still keep your Charge.