95 IIRC ends inside Miami where you can spend an hour to go one mile or less. So you need to decide what your time and stress levels are worth to you. Maybe you could take 836 west from 95 to the FTP and that should reduce the charges. Tho I spent years in Miami as a kid I'm not that familiar with current conditions, and don't want to be either. But we did try getting off the FTP to go to Crandon park on A1A and that was something I won't forget soon. That was several years ago. It was the worst traffic I've ever been in.