Prayers, but Charley ain't no Andrew. You'll be fine.
This is unwise. Yes, this storm does not have the strenghth of Andrew, but storm surges are unpredictable and can be worse with less powerful storms depending on where and when they strike.
Look at the devastation in Punta Gorda. Rated Cat 4 when Charley hit land. It's a mess down there. Those folks weren't as prepared as Tampa Bay because the path was predicted to put Charley in Tampa Bay. Some guy is calling local radio saying parts of Punta Gorda is obliterated.