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Polearm Druids are a high-reward build, but yes the lack of an Accurate Implement hurts.  Regarding CA, I only rarely don't have it even in Heroic, so it might as well be assumed.  Charging does help, but I'll typically only charge maybe once or twice in a fight, and a lot of times that's during mop-up.  I used to charge more, but lately I've been playing more high-control and relying more heavily on caster powers for my standard actions, with beast form used more for charge-denial and OA-threatening.  Still, if your aim is to hit with a Grasping Claws or Savage Rend attack on your standard action, you might as well charge.  Enraged Boar Form and Reckless Charge are what you want here.  Take the feat that lets you shift Dex squares when you Wild Shape to make it easier to charge. 

I haven't had much of an issue vs. high Reflex enemies personally.  As a controller I'm often wary of targeting skirmishers because their attacks that have movement/shifts built-in can screw over many attempts to actually control them; exact tactics vary widely, but I'm often happy letting the defender take those guys on.  Brutes and soldiers tend to be less likely "priority targets" for the damage-dealers, so I'll often open up by holding them off (vs. Reflex attacks are really accurate on these guys).  If you're forced to attack someone with high Reflex, then you'll get to experience the argument against having all of your eggs in one basket.  Druids (and all controllers) need to be adaptable, so make sure you have some good attacks that target Fort or Will. 

As a Polearm Druid specifically, you can get a lot of mileage out of Magic Stones.  Missing is less of an issue with this power because it easily and flexibly targets 3 creatures.  Get between one of the guys that you did prone (because how often are you going to miss on 3 attacks?  Oh wait, it's happened to me), and threaten him with an OA if he decides to charge.  Things like Battle Awareness, Repel Charge, and Prescient Maneuver (used reactively when an enemy charges) can give you extra attacks (the more you roll, the more you hit!), so load up on these.  Finally, this is probably really obvious but be an Elf, Deva, or Human for the racial accuracy, and you might consider a theme like Noble Adept or Harper Agent as well. 

My Predators, iirc, tend to hit tofu in the 3-5 range depending on level (i.e. implement enchantment) and whether or not I'm charging.  In actual-play I've hit higher level enemies on a 2 (low Reflex), and in the last game I played needed a 13 (stupid Battle Troll...but the Barbarian needed a 15 to hit it, and that was with a +3 proficiency weapon; I can't remember if the discrepency was due to problems getting CA or the relatively lower Reflex compared with AC).  Basically I haven't really had many accuracy problems (aside from rolling low, which I have a tendency to do; I can't remember when the last time Elven Accuracy actually worked for me), and my group rarely, if ever, has a leader that regularly buffs accuracy.  I also don't run Polearm Druids even if I do have fun with them for TheoryOp, but IMO the payoff when you do hit with such a build (and the ease with which they can generate extra attacks) definitely outweighs the accuracy lost due to not having a superior implement or being "locked into" a lower enchantment item.