[...]You have to be able to move very fast,
Not exactly. You have to move maximum 25m (short to arm's length acc. to p88) in minimum 10 sec (round acc. to p84). That is slow jogging with a leisure 5:30 min/km with enough time left to deliver a blow at the end.
keeping an eye on the terrain
Rough terrain is a different thing. There are separate rules just for this purpose.
while holding your weapon properly and watching your enemy's reaction. You have to be able to anticipate your enemy and change your approach in the last second so to hit a blow.
You make it sound like a high art
which I don't think it is, considering history of warfare, where huge bodies of most armies where made up of untrained fighters who proved many a time that charging isn't a thing you need a Bachelor's degree for. Maybe you get better with training, but no human ever had to 'unlock' it first.
I think is better represented as a specific skill or talent. In all other cases, you just move and then attack, with two actions.
The point is, that you can't move and attack from short distance, which is kind of strange if you consider that we are talking about 25m in 10s in the worst of cases. The only thing slower is a DnD character (running only 18m in 10s with two movement actions).
I'm actually totally okay with the Charge being a talent. The only thing I will change is the fact, that you can only do it with a talent rank of 1, because that feels like an unnecessary gamedesign tax for fighters. -2 or even only -1 is still a big penalty and incentive to invest in the dedicated talent, but it makes the progression curve smoother and more believable.
Just my 2 Cents.