You pretty much have it. Of course, true Lancers are relatively rare, so a Shock unit armed with, say, spears or swords only don't have this problem. And you can always drop 5 of your 20 points on the other weapon :-).
Actually, since the Horse already gives you a good bonus to Lance Charge (+5, for a generic Strong Horse) you really have the choice of a +10 Lance; or +5 Lance, +5 Sword/Mace/Axe/whatever.
RR
It is by my order and for the good of the state that the bearer of this has
done what he has done.
- Richelieu
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