Been there (to Florida). Done that.
Just can't do humidity.
Don't see why its the retirement destination with that miserable humidity.
Are there really any special considerations that one must make in order to carry side arms? Would a fellow like me with his blued Smith & Wessons and Colts, kept wiped with RIG, still come to grief?
Air Conditioning is your life here. Growth in Florida didn't occur until AC became more affordable and widespread in the 1950s, and of course reliable cars. Before that it was rich northerners who only came in the winter by train.
In the summer you jump from house to car and back again. You sweat just standing outdoors, so if you're in business attire or just nice clothes, you move pretty quick.
The joke here is that Florida summer is called the 90/90s. 90deg and 90% humidity. It doesn't quite get that bad, as rain clouds form before that....its more a statement on how it feels. Sometimes you wake up in the morning and the windows are wet but it didn't rain. Its condensation on the windows overnight. BTW, tree frogs like wet windows, and many mornings you see frogs all over and their crawl tracks stay after the window dries. How cute!
Air Conditioning's primary purpose is removing moisture. Dry 80 feels better than a wet 70. I was listening to a home show on the radio last week and the so called expert said that AC is spec'd in a Florida home to achieve a 50% 78deg environment in summer. I would have though much less but it takes alot of energy to remove moisture and a higher capacity can make your home uncomfortably dry when its not humid, so its a balance they say, between energy use, comfort, and longevity.
One thing I learned is you cannot turn your AC off in Florida summer. We went to Hawaii years ago and my in-laws came to house-sit the dogs for two weeks. Unfortunately, they like it warm and humid, so they turned off the AC the whole time. We came back and wondered what the hell happened, the door frames and other trim were cracked and gapped due to the the moisture absorption, and our AC system molded up due to the wet drain tray having no air flow...coil and interior housing had to be replaced to the tune of $1000.
In San Antonio it was the opposite, we had a humidifier as part of the Honeywell Clean Comfort system. You could set humidity as well as temperature and there were misters in the system to add moisture during the summer. And to keep dust down, it had multiple large 4" filters(at $50 a pop). Dust is a big deal there due to dryness. Gets into everything. We had dogs then...it was a true battle to keep floors clean.
So if you've tolerated my little dissertation on Florida climate, the fact is if you keep your home AC going, your firearms will be fine. We use DampRid containers in the safes as a belt and suspenders approach, but if the AC is doing its job, I only have to check the DampRids every 6 months or so. Its a good gauge of whats going on in the house. As a general rule, I do not treat my firearms externally, I keep them dry and only lube internals. The reason why is most lubricants and some treatments (not RIG which I think is the best, but only for long term storage) have lighter elements that evaporate over time. If you keep firearms in a closed environment like a safe or display case, the evaporated components coat other stuff, and can make a mess. Its like a new car where the interior plastic 'vinyl vapor' coats the windows for several months after. I used to be religious about lubrication/treatment and have now learned that minimal to none is best. The absolute best metal treatment I've found is "Break Free CO Collector". I also collect antique Japanese swords, which are bare carbon steel, and this is by far the best treatment for keeping swords. It's used by museums as well. If it can keep bare metal rust free, its good for anything. BUT, it is only a surface treatment, not a lubricant.
As far as carry, I use small guns (380) with a slip holster, and put them in my pocket. IWB carry is asking for trouble as sweat, an almost perfect corrosion agent, will get it wet and nasty. You wouldn't believe how many carry pistols I see at gun shows corroded on one side only. Saw a Sig 220 yesterday, same problem and it was stainless. Sweat is nasty stuff. Salty, acidic and wet.
In Texas, I found if there was surface corrosion on the outside, the inside was usually fine. Opposite here. If it looks bad on the outside, its even worse inside.