The past two years I have spent my winters Oct thru mid April in the RGV of Texas near Harlingen. You get the best of both worlds 25 miles from the Gulf of Mexico for fishing and every thing that a coastal area (South Padre Island) has to offer. Fishing, walking on the beach and near enough to larger cities and all the amenities they offer.
The previous two years I spent in FL, one near Ocala and another in the Miami area.
Most of the time I spent in the 55+ resorts and like the activities that are provided. I pick and choose the ones I like.
Go and enjoy.