Unless it explicitly states otherwise.
A Character on a Chariot replaces a member of the crew. That Chariot is his mount. He is a Unit Size of 1 model. It states that Chariots may not join units. There is no exception to this rule.
So sadly, yes. If you want to play Chariots, Tomb Kings are the way to go. Which quite frankly blows ass, as that's the only trick they can pull; and there are too many counters to it; namely that they can't kill enough to take advantage of it more than once, or is easily redirected away from your armies most dangerous parts.
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