If you're from Bar Harbor, you may be ok on the Panhandle, but be aware it does get pretty cold up there, with frosts and freezes. I over-winter in the Sebring Florida area in the south central part of the state. I like to spend most of the winter in shorts and sandals. Personally, I like to do some gardening during the winter, growing tomatoes, pineapples, and flowers, and you pretty much have to be south of I-4 to do that. As posted, prices will be higher closer to the coasts and closer to Disney, and you'll find some up-scale resorts. Center state, IMHO, seems to be more middle class retiree centric, and I like the Sebring area due to the central location and the access to shopping. I don't care to drive 25 or more miles to get groceries. Sebring/Avon Park area has a couple of Walmarts, Lowes, Home Depot, a Mall, etc., and a bunch of restaurants. If you like to fish, there are lots of lakes and streams, and the ocean is only a couple of hours away. Repost when you decide on something, Happy Camping.