Your second method will accomplish only the dramatic, and rapid, failure of the mosfet, as there is nothing to limit the current through it. If you can put your load in the Drain path, then this will work (i.e., one side of the load connected to +12, the other side of the load to the drain.)
If your load must be connected to ground, then your first method (P-channel) must be used. VGS of the MOSFET is not 22V, that sounds like the ABSOLUTE MAXIMUM, not the threshold; usually the threshold is in the 2-5 volt range. I wouldn't bother with a charge pump to turn on the P-channel MOSFET, I'd use an NPN bipolar to drive the gate to ground(through an appropriate resistor). There is lots of information on the internet about this type of circuit (search 'high-side drive'). You might need a totem-pole gate drive, depending on your required speed.