Where in west FL?
All the waters of the Keys are "no discharge"...AND the "3 mile limit" has been extended to 12 miles on the Gulf side of the Keys... 6 miles on most of the rest of the Gulf side of FL (although I don't know how rigidly they enforce the extra 3 miles... So if you're in the Keys or planning to spend a lot of time there, you might as well keep what you have, 'cuz getting to anywhere you can dump a tank is just about as difficult as getting to the pumpout you say is 3 hours away.
However-the discharge of TREATED waste from a CG certified Type I MSD is legal every else on the west coast of FL--in fact, everywhere else in the Gulf except Destin Harbor...so if you're anywhere north of the Keys and don't plan to go there much, the ideal solution for your boat would be an Electro Scan or PuraSan. The amperage draw may LOOK a little scary, but actual consumption for a couple aboard 24/7 is only 15-17 AH/day. Yes, I know you don't want to add any more 'electrical crap' to your boat...but the freedom from tank maintenance, vent line maintenance, tank products and never having to find a pumpout again or wait for high tide to get to it--IF it's even working!---would be worth it to me! The Ft. Lauderdale Raritan plant often has refurbs and "scratched & dents" at a huge discount...all have the full factory warranty.
But if you'd rather deal with the hassle of a tank, put the y-valve between the tank and the overboard discharge pump...you can either go with a macerator pump or a manual diaphragm pump.