I am Canadian as well and I found Florida cold, and Bahamas on the cool side in January. Not super cold but too cool to swim. Florida temps were only about 14-20 last January and Bahamas was low 20's. I mean Celsius lol. It honestly was fine though, as we sailed it got warmer fast and Caribbean was hot enough. 30 degrees in St. Thomas USVI and even warmer in Puerto Rico. I wouldn't worry. Just expect you may need a sweater when you embark/disembark the ship in Florida.