50 wpf is only useful to reduce upkeep. And upkeep from a lance isn't your main concern at all.
Other than that, if you have a decent armor, there's not much wpf left after the weight malus is applicated. Generally, splitting wpf points in a 50/50 fashion is only advisable with medium armor or lower, so having only 50 points is pretty much useless.
Furthermore, if you are good with 0wpf, maybe you are better not spending any points. Wpf will increase your damage, but shorten your active attacking time window, forcing you to time your releases better.