Well, the transition to Florida can be daunting. Insurance rates here are capricious and don't seem to have any logic and we're one hurricane away from another MASSIVE insurance crisis. They don't redline like in CA, but it's strange. Plus, for car insurance, they have this thing called "stacking" where you can stack the coverages. It's hard to explain and I don't think they do it anywhere else.
Florida drivers are the WORST in the US and among the worst in the world outside of India (where road signs and traffic lights are light suggestions). The tailgating is a REAL problem and with the exploding population there's now becoming more and more issues with flooding since the natural means of water dissipation are all being paved over.
And then there's snow birds, those that come down for the winter. They can turn an otherwise quiet town into congestion central. They tend to be elderly, so everything is off from commute times to how long a retail interaction takes (even things like getting gas). It's NOT a small thing. Some get really angry with snow birds. My family tends to just do our best to adjust, but knowing is very important. Certain business also try to charge snow birds and visitors more. I found out that some of the really nice seafood restaurants at the beach if you mention that you're a local will charge you less, sometimes a LOT less.
The bugs are a thing here. There are ghost ants which are everywhere. Every home has them and they're pervasive. There's also "No-see-ums" which are sometimes confused with sand fleas which fill some beaches. Their bite is like a red ant in that each one creates a pustule that you cannot break or it will be 10x worse. I got over 100 of them one day when my son was getting some pictures taken for school and I was on max doses of benedryl for like 3 days. And the cockroaches are serious concern in the same way that a deranged MMA fighter is serious concern. They're no joke.
The humidity is only really a problem (and I have asthma) in July and August. Other than that, the weather is pretty nice and I gotta admit when you look at the weather forecast and it's 80 degrees in Miami and Tampa and it's -10 in the North, just walking around in flip flops and shorts is nice. For some, that's the deal. I'm over it, but it is nice. For 8 months a year, it's about 90 degrees and 80+% humidity,
I find the people to be very nice. That said, it's hard to connect with people in that they're only here for the summer or this is just one of several moves that are job related before it's time to retire. I don't know many retirees, so I can't speak to that.
Lastly, it's an inverted state. The farther north in FL you go, the more "southern" it is. The farther south you go, the more "northern" it is.
Florida is a weird state. Like any place, it's got good and bad, but it's like an American evaluating a British car. The parts are all there, but it's aligned differently and some things don't make any sense unless you've grown up British.