Being a prude? Not at all.
Diving outside of your training and comfort zone isn't something to take lightly.
Also, you're not alone in those thoughts. I wouldn't agree to a charter based on what you mentioned above. Not at least without doing at least a dive with the other group before hand, and a serious talk about what is going to happen in the water for the above mentioned dive.
Just quickly plugging in a 45m dive for 15 minutes in DecoPlanner spits out a 10minute stop at 6m/20ft on air (with a nominal ascent schedule. It would also require more gas than what is in an AL80. No mention of contingency ('pony' bottles, doubles - manifold or otherwise) .....
_R