I live in Panama City:
Made two trips from Panama City to St Pete (Johns Pass).
First trip very little wind, motored down and back, 200 mi at 5 kts = 40 hrs.
Second trip down 2-4 ft seas, 40 hrs. On way back 1st day fine, that night 6-8 ft seas. Boat handled it fine, wheel pilot would not, crew took 1 1/2 hrs shifts at the helm all night long, came in at Applach, Government Cut took 30 hrs (it was shallow), if not going in at Carrabelle, call Apalch Marina, check depth at Gov Cut. 8 hrs Intercoastal from Appalach to Panama City.
Yes, boat was equipped with chartplotter/radar and all recommended safety equipment, including Dink and GPS enabled EPIRB and we got all of the weather details before departing. We were prepared.
If you are going to make the trip, make sure you and your vessel are prepared. You can rent an EPIRB and a life raft from Boat US.
I have Intercoatal's to Mobile twice. Get a Coastal Crusing Guide, spend nights in a marina or on the hook, enjoy the trip.
Bill