How lovely that you were able to escape to Florida, but I am so sorry to hear about your brother-in-law's emergency, thankfully you were there to help!
Florida looks beautiful!

Following the unexpected loss of my husband, I realized how we need to make the best of each day, which we did, so there are no regrets there.
Although we were (I still am) running a small bnb from home,we often would jump into the car on the spur of the moment, pick up friends, or go on our own for a jaunt along the coast, or inland.

You are so right about retiring too early, as I've seen some acquaintances who do that but have to downscale way too early, as their investments shrink.
Nowadays, people live longer, so going into full retirement even at the normal retirement age, and not having enough in the kitty, means you will outlive a decent income.

For us, and now me, having a bnb is like having the best of both worlds. I have many returning guests who have become like family, and it's a good income, I can still maintain my two excellent staff members.

My only concern is when I go that they will not easily find a good job, but I've told both of them that they need to seriously look at starting their own little company/ies - cleaning and gardening services. They each work 2 days per week elsewhere, for younger friends, and one of them wants to help them with that, as they will be emigrating in a couple of years.
We'll see what the future holds!

Shall I say it again, Florida looks heavenly, and your photos are stunning, enjoy it!