Pug,
Congrats on the move! Florida is AWESOME fishing! I normally get down each year for a week during the middle of October or the first part of June for a family vacation along the Gulf coast. Our usual spot is Sanibel Island near Fort Myers. My experience with surf fishing is this. DO NOT HESITATE! lol
The worst thing you would have to worry about is if you do any night fishing and that isn’t too common unless, like me, you target sharks. (yes I admit I am that crazy) The Spanish Mackerel, Ladyfish, Snook and Jack Crevalle will keep any surf fishermen busy most days. Bright colored and shiny lures or a basic slip-sinker rig with shrimp or bait fish will work for ya. Common bait fish around there are numerous, and can be caught with cast nets from shore at early morning or late evening as the sun is on the horizon. Also, most of the fish you can legally keep are allowed as bait, though saltwater game fish may count against your daily limit. Similar to catfishing I suppose.
My recommended tackle is no lighter than a MH spinning outfit with at least 20-30lb MONO line. Braid will get torn to shreds on the sand, shells and rocks. Also clear mono is a good idea as bright colors attract Spanish Mackerel which will bite off the line quite often. Circle hooks from 1/0 and up are all I use depending on the size of fish I am after. I have plans to order some 18/0 and 20/0 circle hooks for shark fishing in the near future.
If you are after Cobia, yes a pier is a good spot to start. They are not the most commonly caught fish in that kind of spot, but there is occasional windows of time where certain locations can have a hot bite, so do some internet searching. One thing to do is check the local Craigslist posts for fishing gear. Used gear is not uncommon and usually kept in decent shape, but check it as salt and sand are a NIGHTMARE on reels, I just tore apart and rebuilt my Penn Senator 9/0 and three days with liberal fresh water rinsing had it still full of salt and sand. A Penn Senator 4/0 or 6/0 would be ideal to go after the Cobia, as would a large spinning outfit, they are powerful fish and an Abu Garcia 6500 C3 is considered tiny for the ocean.
I can try to upload some pictures of my catches off the beaches of Sanibel, but my last trip there didn’t result in many sharks, mostly Jacks, Ladyfish and Mackerel. Oh and if you get a chance, hit up local bait shops, they will give you the advice for the area and most only carry what has been proven to work very well for their immediate area. On Sanibel, my choice is Whitney’s Bait and Tackle.
Have a good time down there, maybe I will try to head down and escape the hard water this winter if I get the chance!