My IC told me that I should continue making goals for myself even if they don't happen for a while...she said this after I told her how much I had enjoyed living other places (particularly St. Louis and Pasadena)...
Anyway she said that the time while the kids were going through school and growing up was a time to make sure they were getting what they needed, but once they were grown I should live where and how I want to live...just to delay the plans a bit...hope that makes sense.
Yes FFG is a wrinkle in the Florida plan, but you don't have to decide on anything today. Like you said, continue your education and making yourself employable. By the time your maintenance runs out won't your youngest be just about graduated? Then you can decide where you want to live, and who you want to live with!