The way I've been able to make it work in real time, is to
(a) ref the defense, and (b) feel the beat. Think of the defender being in LGP as one thump of the snare drum. Think of the contact as a thump of the bass drum. If the rhythm of the play is Boom ---Tzeet then it's a block. If it's Tzeet -- Boom it's a charge. (I can't bring myself to call this the rhythm method -- can anyone think of a better name?)
Also regarding the cliche of seeing the contact in the torso, remember that a defender can "take a charge" even if he's not facing the dribbler. If the defender is just standing there waving to his mom in the stands, and doesn't move, and the dribbler plows into the defender's shoulder, it's still a charge. LGP only applies to a defender who's guarding. This poor sap is clueless, but he's still entitled to his spot on the floor, as long as he got there first.
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