I'm in the same boat as
@victorzamora
Jocassee is a great training place, and any time getting wet is better than being dry. I have pass so for $50/year I can as many people as I can fit in my car and go diving. It also gets me into all of the other state parks which is the justification because I will probably dive Jocassee maybe 4-5x/year. I have free air/nitrox/oxygen fills, and do all of my own gear repair so the cost of that trip is the gas to get out there which is about $15, 2 hours of my time to drive, and then the actual time spent there. The $/happiness units are not very high, but sometimes I just need to get in the water and decompress from work. I have very few free weekends, so it's nice to dive for the sake of diving. If I had a boat and could hit some of the more interesting spots in the lake, I may head up there a bit more often, but I don't, and there isn't a lot of "stuff" to see on the boat ramp at Jocassee. The most entertainment is people watching the divers up there.
Florida springs is tough for a normal weekend for me because I hate the highway slog to get down there. I need to do that as a long weekend trip for me to really feel like it was worth the drive. The total cost for a 3 day weekend for me ends up being somewhere around $300 based on cost of food/lodging/fuel/gas fills, but it's the 14+ hours in the car that makes it hard for me to justify heading down Friday night, getting one long dive in Saturday, and one short dive in Sunday. Just isn't worth the drive for me so I need those 2 full days of diving for me to justify the drive. Very difficult with limited free weekends this year and with Victor now having basically no PTO.
Keys are basically out because the drive is insane, the diving isn't that great, and the total cost of the trip is very high. If I'm going to do that, like Victor said, I'd much rather look at a liveaboard or go to Roatan or something where the diving is better and the $/happiness units is much higher.
If I were in your shoes, I'd invest in the proper cold water gear, find a buddy with a boat, and dive the wrecks year round once you get at least AN/DP knocked out