Visit some of the shops in the Tampa area. You can ask for recommendations of good shops in the
Southeast Regional subforum. Lots of Tampa area folks there.
Tell the shop owner/manager what your budget is, what type of riding you'll be doing, tell him/her about the toddler, carrying groceries, etc.
They'll set you up with the right bike for your needs and budget. And if you get the run around go to another shop.