Block or Charge? Non-torso contact

[tnolan]

These types of plays can sometimes be difficult to judge, IMHO.
Possible legal defender and the offensive player changes direction via a euro-step and makes contact with the defender outside the torso, normally with the shoulder. Defender falls to the ground and the offensive player flails away and puts up an attempt/shot.
What do you have?

I try not to read too deep into the rule book and there are so many different philosophies on block/charges that come into this mix.
Referee the defense
What did the defender do wrong?
Players don't have to "take" a charge
Offensive initiated contact (OIC)
Torso contact for charges, shoulder contact blocks

And obviously the defense can move (not forward) as long as they're essentially not undercutting the shooters start for the attempt. But what about the offense? They have the onus to avoid contact by stopping or changing direction, in order to try to get their body past the torso of the defender. So, does the attempt to change direction and OIC into the shoulder of a legal defender change this call in either way?

Seems as though this contact ends up in block calls the majority of the time, at most/all levels. I'd be interested to hear everyone's thoughts on this call, these theories, and our never ending battle for call consistency across the world/nation/state/chapter.