I live here in LA (Lower Alabama), you will love it here, the coldest water temps we get are in the upper 50's to low 60's. I checked yesterday and our water temps are approaching 75 Degrees.
There are some great places to ride, I am sure others will chime in once they see Destin in your post.
I just started boarding last year and am loving every minute of it, we hang out alot at crab Island, you will have a blast there it is just north of the Destin Bridge by about 100 yards.
I see in your profile you are a pilot, who do you fly for, or are you military?
I just have a small 19 foot Chaparral, nothing fancy but we have fun in it, I have had no major issues running in salt, as long as you clean all the time and I treat my engine with Boeshield T-9, alot more expensive than WD-40, but a whole lot better product. IMO.