As a SE Fla native I often recommend Arcadia as a good place to snowbird if you are on a tight budget. It's far enough south for warm weather, not too far from the beach but at a price many are willing to pay. If you want more things to do then N or S of Arcadia will be better but you'll have to pay more. Bugs in the winter are not that big a deal and even fire ants are easy to control. Winter is the dry season in Fla so all of those problems are over stated for snowbirding. Any items that you will use in a week can be kept in it's own bag with a clip on it. Relax as you will not be there in the summer.
