I just got my GS5 today and, as a chronic nail biter, couldn't believe all the different things they assumed I'd have the fingernails to accomplish.
For the charging port I've been using a short edge or corner on the charging plug. Undoubtedly not a recommended tool but it's immediately on hand when I need to pop that thing.
Coming from the Seattle area (wet and wetter, also beer) and from a series of iPhones I'm more than a little confused with this obsession over water resistance. I can see it would be useful for people in certain professions and hobbies but otherwise, personally, I never had a problem with water in the iPhone jack. So for me the cover is just a silly bit of business.