The weather here has been in the mid 90s for a couple of months now and the humidity is brutal. I do believe that you get accustomed to the climate where you live, and thus I think that Florida's heat may not bother me near as much as it would those from cooler climates.

I drink plenty of water during the ride and I freeze my water bottles. I remember reading a study that concluded that drinking cold water or eating ice chips allowed you to exercise longer and at a higher pace in the heat.

When possible, I try to ride at the coolest parts of the day, mainly in the morning and late afternoon, or after a rain storm. Just have to be careful here because lightning is always a concern during summer afternoons.

I make an effort to ride in as much shade as possible. I'll ride one route in the morning and a different more shady route in the afternoon. I hate stopping at traffic lights because the heat and perspiration just build up while waiting for the light to change. So, I plan my route as best as possible to minimize long red lights. At least while you are riding, there is relatively strong wind in your face that helps to transfer some of the heat from your body.

I do not normally take off my shirt because the light colored shirts that I normally wear provide some protection from the sun. I carry everything in a handle bar bag or on a rear rack instead of using a backpack or messenger bag, which hinder heat transfer.