Around here most charters only take OW divers to 45-50ish, even tho 60' is the OW cert depth. The average AOW charter stays in less than 100' even tho 130 is the general cert depth. Pure and simple, if you are going out with a charter they should require you to be advance certified. If they do not I would be concerned that they do not care about safty protacols, and are risking their own lively hood. If a Capt knowingly puts some one in water deeper than that persons training, I would think that 1. their insureance is not going to cover squat, 2. they are opening themselves up to lawsuits. That is just my personal opinon.
That being said, I agree 100% with Deepstops. This is a basic wreck dive, at a max depth of 73-78' depending on the tide. Although there are places that you can penatrate, you should only do so if you are trained for it. There is Plenty here to see without going in either wreck.