I would have to agree with BigThump here. I currently live in Orlando, and I have spent about 15 years total with bikes in Florida. I have also lived elsewhere including Pennsylvania and New Mexico. Florida isn't the most awesome riding locale, for sure, but you can still enjoy yourself on a bike here. Personally, all my day trips riging around are to the North West of Orlando. South of Orlando is either way populated or way straight pavement. Out East to the coast is populated and non-twisty as well.
If you were to draw a box with the four corners being Tallahassee, Jacksonville, Orlando, and Tampa, that's the zone I ride around in. The area up through and around Ocala National Forest is really nice, and on weekend mornings, you can have a good time on some curves without many cars around. Personally, I think the Ocala area would make a pretty nice retirement spot. People there are nice, costs are low, the coast is accessible, but you're far enough inland that hurricane season won't have you stressed out.