Well, at any rate as a player you have a nice simple solution then... just ask your DM that in light of JC's ruling, can you swap out Shield Master for Charger?![]()
And ... again ... the issue for me personally is that it's an AL character. Since he's higher than 4th level he's "locked in".
If I can change my character I have plenty of options. If I wasn't a paladin, charger might be an option, but mounted combat ranks much higher.