X2 on the panhandle weather. Can get cold and icey a lot during the winter months. I would move down just a little further south.
I am just outside Ocala on the west side and the weather in north central florida is only around 10 degrees cooler than let's say Ft Lauderdale but it is REAL nice area. I use to to further south but once I found out about this area I have never gone back!
Rock Crusher CG is also very close to Dunnellon where Rainbow Springs is. Just spectacular and you can kayak, canoe or raft down it. They also have a CG. There is also Goethe SP, etc. There are a lot of hidden gem CG's in this area. And just an hour or so trip to the Gulf Shores. Shhhh, don't tell everyone!