If you can find me a little cottage on the water with a dock, anywhere from where you are to Pine Island or Sanibel Is. for $50K I'll be packing my bags tomorrow! (fixer upper is OK).
PS I need 4' water depth for my sailboat.
As far as Texas goes, I've been to the Brownsville area (South Padre Is) Nice there but man they need to grow some trees!
Donna, (Pandora) I don't know who started with the budgie smuggler thing here, but if you want to see what they mean just search google and you'll see enough. I'm going to speculate that Lake Winnipeg is cold enough where you might get chicka-dee smugglers once and a while but probably no budgies at all.