In the instructions for the solo game they say when you withdraw the card should be flipped. This completely threw me because that would mean you lose your good luck charm. They meant "tapped".
Precisely the same happened for me. "What if I have used the Good Luck charm then?". Assumed that it meant tapped, and as you say, the people in the playthrough videos seemed to agree, so I went with that.
The casual approach to explaining what happens when you stop taking cards also gave me pause. Could easily have been more precise.
But once you get past that, the only problem is remembering to move the active/start soldier marker, to keep track of who is playing cards.