A frost won't necessarily cause damage, but once it's that cold, it
can be darn annoying to get the water lines thawed to the point
where they do drain.
A small amount of water in the bottom of the tank won't cause a
problem (think ice cube tray), but you do want the lines empty
or filled with anti-freeze when a good freeze comes on.
For that reason, we never dump anti-freeze into the tank, we drain the
tank near empty, disconnect it, and then pump anti-freeze
through the lines. That way, your tank doesn't end up with lots of
anti-freeze taste in the spring.
The C-Dory manual has ideas for how to drain the tank when you
have a foot pump...basically, siphon it out. If the siphoning works
well enough to drain the line and pump, then I would dispense
with antifreeze.
Mike