I evaluated this option because the 2001/2002 Winter was particularly poor. That Winter and the one prior iirc was the wetest I can remember. I looked at Naples due to recommendations. The expense came out higher than I would have liked. Given work commitments at that time also I decided to can it.
I guess it can be tough doing college and PPL work together. The choice is really yours. Are you so impatient and have enough free time/money to blitz it in Florida, or take a rain check for the UK. If so , save now, rely on the Summer and book two hours minimum per week. Flying clubs are invariably busy at weekends so if you can get more hours in midweek over my stated two, you should have no problem with aircraft bookings, instructors and weather. Did you know the sun always shines midweek when people are stuck in the office?