First off welcome to CSC Tbub...
Rest assured we are all leatherbacks here made of Kevlar !!
The thicker the better. Follow your heart and go for it..
My saying has always been "you can not take it with you" when we are
called home..
Best thing to do is during your year of waiting, is go visit your areas
on this side of the state you have targeted !
Keep in mind the further down the coast you go the more the price goes
up for waterfront dirt... They just do not make any more of it.
Ideally I would like to have a house in Islamorada and one in Sanibel !

That ain't gonna happen unless those 6 numbers hit..
There a 23 projects that show up on a regular basis, but I have noticed
the price is starting to go up as they become more sought after.
Enjoy your retirement.. I'm down to 3 days a week now..