I own a charge and it's a great phone. The lag issues you may have read about are mostly gone since the last update and if we ever get gingerbread, that will help even more. The screen is simply amazing. Turn off auto brightness and crank it up to bask in it's (battery sucking) glory.
It has a pre-installed 32gb memory card.
The GPS has been flawless for me.
The 4GLTE speed is jaw dropping. I'm hitting 15.7Mbps down/6.85Mbps up. That's significantly faster than my home internet and I have the "premium" package!

For comparisons sake, 3G for me was usually around 1Mbps down/0.5 up. Side by side with my GFs iphone I was able to load a webpage fully before her phone even started to think about loading. It downloads apps
instantly.
The browser is very snappy and quick now ever since last week's update.
The Camera is one of the best you can get on a phone.
I like Touchwiz. I know you'll find many opinions out there over the different UIs so it's a bit of a personal affair, but it seems perfectly fine to me. It has 7 home screens. The feeds and updates widget is nice, and it just works.
The Charge is not only the best 4G phone on Verizon, it's probably the best phone Verizon carries ATM. It's my first Smartphone as well, and if you have a similar experience as I had, you'll love the phone as much as I do.
Also, you can get it for a steal from Amazonwireless. 179.99 for a new customer. 199.99 for an upgrade. I think it's even cheaper at Costco.