problem isnt really the life. (unless you duel bvcs where every point of life counts)
its more of the whole having-to-switch ordeal. its just so much easier to not press w everytime you want to charge, especially since as a libby, your going to notice you charge a LOT more than you think. switching weaps is going to be a major hassel. id rather just get the fcr wit ha charge weapon and get it over with. but thats just my opinion :P