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Seems to me this is more of an Advice question than Rules.
Impact is good if you're riding, changing the dice from 2d6 Mounted to 3d6 Mounted (these virtual size increases are excellent for Spirited Charge).
Training is excellent (if not in PFS) to get another combat feat that you would use often while mounted (something at the end of a feat chain).
Suggest move to advice.
Since Mammoth Lance is currently out of my price range, what other magic effects would work well on a lance? Something traditional, like Keen or Menacing or is there a more creative effect to be placed on a lance? Any suggestion would be appreciated! Thanks in advance!
I believe you can upgrade to a named magic item, provided you don't alter the item. So you could start with a +1 lance, then upgrade to a +2 lance, and then, finally, upgrade to the mammoth lance. There's no discount per say, but you don't have to sell the old weapon to buy the new one, so it's discounted in that respect.
Anyway, for lance effects, it would depend how you use it and your build. If its the weapon you always use, I suggest an upgrade to make it better against creatures that the lance is typically bad against. Ghost Touch is a good one to have. Rusting is also a good one for your main weapon. Bane is a favorite, but also rather conditional.
I love the Vicious property, but that one will kill you if use it often. So for a lance only used with mounted charges, Vicious could be amazing, but I wouldn't recommend with anything more than 1 attack per round (I've done it with two-weapon fighting before, and it's great for damage but incapacitated my character in one round).
For PFS, Quenching can be extremely useful, just due to the sheer number of scenarios that involve putting out spreading fires.