We just recently booked 5 days at the Holiday Inn Resort from 3/26-3/31. We have never been to the panhandle before. Over previous yrs we have been to Daytona, Cocoa, and St. Augustine during this time of year. The weather has always been great and we have had no issues with water temp. Is the weather/water temp that different from what we would get in these areas? I'm worried now as I keep hearing how cold it is and I don't want to be in a sweatshirt the whole time!