I tend to think Charles is a roll of the dice right now. He's unknown enough that he could be unexpectedly great, or he could be completely pedestrian behind KC's unimpressive line. Personally, I'd prefer Forte, who I think at this point is more easily predictable/consistent albeit in a rather disappointing way. Charles could be huge but could also do nothing and I'd fear the latter.
But as to the question of smart or stupid, I don't think you can say starting Charles is stupid. It's a reasonable bet, even if one I'd shy away from myself.