Simon,
I certainly know the feeling of wishing a unit would run rather than receive a charge unformed. It is though quite a valid situation for either the chargers or charged to unform. It does not always decide the melee either. During the recent Waterloo game I charged a French cuirassier regiment with 60% casualties which unformed as I went in, and I LOST, getting a push back !
If you're arguing that the 'stand unformed' result should come at the bottom of the morale table, well, maybe, but surely it's not worse than routing ?
regards
EC