RTF - have you considered a chiller using seawater rather than going all the way to AC?
A decade ago as we struggled with where to boat out our retirement years, the PNW won out. No bad winter temperatures and cool water. As we currently work our way north with Port Hardy and further north still dipping into the upper forties F at night, ER heat is much appreciated.
There is life beyond FL. Plus as my skin doctor says, stay out of the sun.