My wife and I are from Hawaii and we're freezing our butts off up here on the Banks (water temps are in the low 40's already!). So we are thinking about heading south to the Stuart, FL area next week for a few days. We'd go further south, but hotel rates look to be a lot more than we can afford (eh, we're surfers not dot com execs). Any locals here on the forums with some advice? The web says that water temps are in the 70's still, is that right? I'm hoping this unusually cold air temps will go up for our visit. Any "rules" we should know about? Any places we should put on our must see list?

Big mahalo,