Love Florida
My wife and I are retired and live in Port Charlotte 2 years so far and my wife loves it here and moved from NY but you will need to adjust to the heat and light winds,thunderstorms,lighting in summer time,but the rest of the coller times is the best sailing weather.
You will have no problem with your 22 sailboat,I have Hunter 36 with 5' draft and can sail all day in Charlotte Harbor with the deepest water 22' and sail to some local great places and beach,yes shallow water just like up in NY.
Yes sailboats use their boats alot less in july,august.Sept. but the rest of the year you will love it and may want a bigger boat.
Just like every place the weather is different each some times cooler and some times hotter and plenty of wind and some times too much wind just like we had in NY.
Your 22 if swing up keel will let you go where most can not and be on beach easy fun time and swim off beach with your boat just like power boaters,you will need to learn when to boat with the thunderstorms like I did,scary at first but time will it better.
I am going north with my motor home for a month or two but lots stay and enjoy less traffic and people.
Some hate the heat and don't like it here but boating and Kayaking is great.
Nick