I have had only good experiences with Payless, but that was, er, they were all, more than 10 years ago.
Payless (and a few others) reserve the right not to rent to you if you decline their rental extra coverages and you also do not have insurance on your own car back at home that has those coverages (you would have to bring proof). But they never asked me.
Payless is a "local" company as opposed to a "national" company so if push came to shove then the dispute would have to be resolved in a Florida court.