I believe popular consensus will demand Prince Charles's abdication in favour of William and Kate!
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So, Prince Charles could serve as King if required, unless and until he became incapacitated. That make sense. Thank you!
I'm English and it seems I'm ignorant of my own monarchy. I automatically assumed Prince of Wales was prince regent on the basis heir to the throne is Prince of Wales.
We have only had one Prince Regent as far as I know; George IV was Prince Regent when his Father George III was thought to be insane, whereas he has porphyria (a malady to which Prince Charles has been said to be prone).