I'm in Tampa, too, and typically ride 4 mornings during the week (17-20 miles) and one weekend (30+). During the work week, I'm out before 5:45 and back in by 7:00. Weekends usually find me out by 10 a.m. Those mid-afternoon rides are trouble during summer -- showers are too likely. If mornings aren't your thing, evenings might do the trick. Generally, things have blown through by 6:30 or 7:00 p.m. On rainy mornings, I've been going for a run.