Thats a definate test. If the scale in your example is any indicator, the only models you would have range to charge are directly behind the obstacle. Your men won't simply skirt around it even if they have the movement to do so if they can go through it.
If the obstacle was a big rock, like your example, it's possible that it could have been considered impassible terrain, in which case your troops would skirt around it.
You might get a more in depth response in a forum designed to debate exsisting rules, such as YMTC, over one for proposing new ones.
Unless, ofcourse, you're here to preach your distaste for GW's idiotic quest for world domination one bad rule at a time, in which case, you've come to the right place.