I can see your concern, as you're flying under a Class B shelf (starts at 4000'). BTW: I don't know the technicalities of flying a UL within the Mode C veil (I'm assuming you are not going to be equipped with a Mode C Transponder plus ADS-B Out, both of which are required for registered aircraft). I know for one student I had with a Light Sport powered parachute (without Mode C & ADS-B Out) that was going to be flying in a similar situation, I suggested (and TRACON concurred) that she should call them on the phone and let them know her approximate flight times and location (and definitely stay out of their Bravo). So, at the minimum, that's probably what Charlotte TRACON would like.
If you fly a straight line, you also have an obstacle in that path that reaches 1179' MSL. It doesn't specify the AGL for that obstacle, but judging by the nearby one to the west, it should be about 205' AGL.
I already have a powered parachute aircraft defined, so I'll use that in my planning. If you don't have a UL type aircraft defined, then go into Menu | Setup | Aircraft | Create New Profile and define some generic UL-type aircraft to use for now.
After selecting my aircraft, I went into Flight Plan (4th button from the left along the bottom of the app), clicked on Enter Flight Plan, and entered KIPJ and N92 and clicked the Done button. It created the flight plan and displayed it in tabular form. I clicked on the Altitudes button just to see what it picked for a default altitude (you can change it by dragging it in the graph, or by setting it in the table), and what it showed for airspace. It shows solid purple above my flight path, from 4000' to 10,000'. That's the Class B. The graph also shows my estimated flight duration and fuel burn, taking into account the projected winds at my flight altitude. There's a slider you can use to adjust when you plan to do the flight, and it will adjust the winds appropriately -- and thereby also change the flight duration and fuel burn. There's also an Optimize button which will try to choose a flight altitude that works best taking into account the winds at various altitudes.
I clicked on the Close button in Flight Plan to returned to the map to see my magenta course line. Again, it takes me right towards that obstacle, so I "grabbed" the course line (clicked on it and held the mouse button down; or you can do it with your finger on a portable device) and drug it to one side of the obstacle. It asked me if I wanted to set this new waypoint to the given Lat/Lon and I clicked on OK. I went back to Flight Plan, and it now shows an intermediate waypoint. If you want to add a waypoint more manually you can use the Add Waypoint button in Flight Plan to add by Lat/Lon or by name. So, if there are waypoints you want to save and use, you should create/name them in advance. The easiest way to do that is go to the map screen, put the mouse pointer on the spot you want, right click there (or long-press your finger on a portable device), and then click the Add Custom Waypoint button. To remove a waypoint that's in your course line, you can remove it by clicking on it, choosing Flight Planning, and Remove Waypoint. Or delete it in the Flight Plan page (click on the gear icon to the left of the waypoint and choose Remove This Waypoint).
So, that's the manual way of doing things.
To see what automation ("Real Plan", aka "RP") would do, I removed the intermediate waypoint so I would just have the starting point and destination. (I could've left it in there, and RP would've used it.) I went into Flight Plan and used the More Options button, then chose Real Plan. I checked all the boxes in Airspaces To Avoid and set a Max Alt of 3000' and Min AGL of 1000'. I unchecked ADS-B Equipped, and checked Avoid Water. After clicking on the Run Real Plan button, it came back with a warning that it couldn't optimize the path because I didn't have ADS-B (remember, we're inside the Mode C veil). It popped me back into the RP options page and I lied and said I had ADS-B. It created a plan that usurprisingly was a straight line. That's OK, since it figures you're flying at 3000', so will clear that obstacle (actually the course probably passes by it to the side by a little).
To make it more of a challenge I made my Flight Plan KIPJ N92 MRN so I have to fly around the Class D at HKY. After I ran RP again it curved me around that airspace.
Then I substituted 14A for MRN (flight plan now: KIPJ N92 14A) so there's water in the way. I did that by going into Flight Plan, clicking on the gear icon next to MRN and chose Change This Waypoint. I ran RP again. I was thinking it would route me all the way around the water (it has me crossing some narrow channels). To completely avoid the water I went back into RP and in the options clicked on the Moderate button and changed it to Safest. [Brian: can't that be changed to a dropdown box?] It didn't end up changing the route though. It's trying to compromise between safety and how far it would have to go around to completely avoid water and distance seems to win here. Maybe it's figuring the glide distance of this aircraft is sufficient for the width of water I'm crossing.
At this point you can tweak the flight plan to your preferences by dragging it on the map or modifying it in the Flight Plan page.
Also, it is my understanding that RP takes into account your usable fuel capacity so as to not plan you a trip that out-flies your fuel. I believe it will alter your route, if necessary, to plan in a fuel stop if one is required. Since there aren't that many airports that provide "mogas", which I'm sure you'd be using, then this is not helpful. But you should know that RP is working under this constraint.
Hopefully this was helpful.