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Just curious if you need to. If you could do it, how does that affect overwatch?

Can you Disembark as part of a Charge?

I don't recall that as being an option in the Charge rules...

Also, "A unit can never... nor can it declare a charge against a unit that it cannot see,"

Even if the vehicle is open-topped or has fire points, they can only be used for measuring line of sight for the purpose of shooting.

The simple answer is yes, you must disembark. Then only with certain 'assault vehicles' and 'building' type terrain (repel the enemy) are you still able to declare a charge.