Sometimes you just close your eyes, hold your nose and jump in. Take a chance, don''t think about the "IF''s". If we all stop and think about what bad things can happen to us when we step out the door then no one will ever leave there house. By no means am I saying be reckless and daring. I guess the answer here is to use common sense. Move to FL, sail your ass off and have a helluve a time doing it.