If your mount charges, you also take the AC penalty associated with a charge. If you make an attack at the end of the charge, you receive the bonus gained from the charge. When charging on horseback, you deal double damage with a lance (see Charge).
从这段看，可以理解为骑乘冲锋时你本人并没有在做冲锋动作，只是同时也得到冲锋的战斗调整值而已。
Lion Totem: Regal and intimidating, the powerful lion is a
symbol of nobility among the races of the wild. By selecting
him as your spiritual totem, you gain the pounce ability
(MM 313).
Pounce (Ex): When a creature with this special attack makes a charge, it can follow with a full attack—including rake attacks if the creature also has the rake ability.
请注意是When the creature makes a charge。当骑乘冲锋时，make a charge的不是你本人而是你的坐骑。
