For me, that's the advantage second generation talent get when they enter the business. You gain some of the family prestige/aura, and you build from there. Charlotte has a gimmick, its pretty much Stephanie McMahon if she was a wrestler. Charlotte has always reminded me of HHH all around. Except her father is on the Mt. Rushmore of wrestling, so it's kind of hard to pretend you're anything but royalty.
Considering what wrestling (or Ric) did to her brothers (or their father), she could definitely push an edgier side where she can't keep up the royal charade anymore, come back pissed and still spoiled, but sort of a degenerate in this new women's era. She doesn't really need to change, but it wouldn't hurt.
Most times wrestlers just need good mix of angles/feuds to show more of their personality, but Charlotte has not been around since so many of the new women have been active.