I saw a rules tutorial from Miniatures Wargaming on this. They too have concluded you could charge a character, even if there are intervening units. You should just have to be able to move the charger between the intervening models (base sizes, clear path, etc), and you can't come within 1" of models you didn't declare a charge against. So they showed an example of two units, with a character behind them, but also a gap between them through which the character could be reached. Because the gap was too narrow and meaning the charger would come within 1" of the intervening units, a multiple charge had to be declared. However, the gap was wide enough to fit the charging model through. This, of course, means the charger had to weather two units and a character's worth of Overwatch, but after that, the charger could reach the character.
The charger still couldn't fire at the character, obviously, as it wasn't the closest model/unit to the charger.
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