As far as I know, Maxwell's Equations describe everything there is to describe about Electric and Magnetic Fields (except perhaps for boundary conditions). If I'm not wrong, this is a consequence of Helmholtz's Theorem which states that for well-behaved vector fields (fields that fall off at least as $1/r^2$) the divergence and curl is all you require to completely specify the field.
If you specifically want to know how a charge interacts with the Electric and Magnetic fields, then you do need one more equation, the Lorentz Force Law:
$$\vec{F} = q \left(\vec{E} + \vec{v} \times \vec{B}\right).$$
So Maxwell's Equations and the Lorentz Force Law is all you need.
You actually don't need to include the continuity equation as a separate equation, it's (very conveniently!) already a part of it! Taking the divergence of the curl of $\vec{B}$, we can use the result from calculus that says the divergence of the curl is always zero, and so:
\begin{equation*}
\begin{aligned}
\vec{\nabla}\cdot \left(\vec{\nabla}\times \vec{B}\right) &= \vec{\nabla}\cdot \left(\mu_0 \vec{j} + \mu_0 \epsilon_0 \frac{\partial \vec{E}}{\partial t}\right)
\end{aligned}\\
0 = \vec{\nabla}\cdot\vec{j} + \frac{\partial \rho}{\partial t}
\end{equation*}
which is the continuity equation (the equation in your question has the sign wrong). What this means is that charge conservation is part of Maxwell's Equations, you don't need to specify anything more.
Interestingly, Maxwell's Equations are actually 8 equations: two scalar "constraint" equations (the divergences) and two vector "dynamical" equations with three components each (the curls), which need to be solved for 6 quantities: the vectors $\vec{E}$ and $\vec{B}$. So in this sense they are over-specified, but of course, all of them are needed! $\rho$ and $\vec{j}$ are treated as the sources of Electric and Magnetic Fields, they can change from system to system.
The redundancy is actually a lot more, since you could rewrite Maxwell's Equations in terms of the two potentials $\phi$ and $\vec{A}$, which are four parameters. But -- given that we also have Gauge Invariance -- we can actually set one of those parameters to zero, leading to a total of 3 independent parameters in all.