We've done a total of 5 cruises in Jan and Feb...and a couple more WDW alone. 4 of the 5 cruises were great. One of the cruises and one of the WDW alone were cold. I found myself on CC covering up with towels to keep warm ...and I hadn't been near the water yet. At that point, I decided I was just being stupid and went back to the ship. It was in the low 60s...but it was about 20 at home.
One WDW alone trip, I spent a small fortune on warm clothing. Didn't realize that it got really cold in FL sometimes.
The other 4 cruises were warm, sunny, and wonderful. I guess you just can't depend on the weather at that time of year. However, I didn't mind missing a 21" snowfall back home!