Hi Brian and welcome. Northwest Florida here - near Destin, but shortly moving to the North Georgia Mountains.
I started DC and then moved to DCC. All ground level. Got fed up with the issues of operating track power in a humid, damp and sandy environment. Yes, used track clamps exclusively, and did everything that is recommended to maintain track power. Nothing worked for long. Switch motors gummed up with sand, and it all became a nightmare. Thing is FL is not the UK, nor is it anywhere else in the US! It’s humid, wet and has hurricanes. I also suffered from lightning frying any track electronics (even when disconnected).
Moved to battery power and kept the DCC, by using AirWire. That solved virtually all of my issues and running became a joy again.
Now moving half way up a mountain in Georgia and will rebuild a simpler railway, probably elevated. I like ground level but despite being fit as a proverbial at 70, tempus fugit on the joints!
Have fun and take the advice by the knowledgeable here seriously. They know of what they speak. BUT do remember that every location is different from the point of view of weather, climate and geology.