Yes if your chaarcters feels the acuser is to low to be fought, pick a champion.
I believe a true lord shouldn't step away from any challange, unless the challange can be arrested and executed, or just banned.
And here we have a great example of what I meant by people having very different and very personal opinions about duels. I don't feel that either one of us is right, but it does help to illustrate why some characters and families take them so seriously and others do not.