As Soulesailor says, chances are slim the teak will rot away. If you simply want to do something now to keep it from getting worse until you have the time to redo it, I recommend just using teak oil on a regular basis. If you use anything else, such as the Teak Guard or (God forbid) Sikkens, whatever you put on now you will have to remove later when you do a proper job. The teak oil won't be that hard to deal with when the time comes. But if I were you in FL, I'd make some teak time and soon. I now use Epifanes Wood Finish gloss, which is a type of
varnish but you don't have to sand between coats if you recoat within 72 hours.