NaBloPoMo | I have no idea where I'd like to live

Today's NaBloPoMo writing prompt was "If you could live anywhere, where would it be?"
The answer is:  I have no clue!!  I truthfully would be a nomad if I could.  There are so many places I'd like to visit.  But, I suppose it is neccessary to have some kind of home base.   I would like to live somewhere with a warm climate most of the year.  Florida in the summer is too hot and Ohio in the winter is too cold.  But, I'm sure I wouldn't  like to live in the Carolinas.  I have no idea why.
I'd like to be close to a beach.  I'd like to be somewhere on a daily basis where there is not a lot of traffic.  But, it would be nice to be close to a big city and close to an international airport.  The cost of living needs to be low.  It would be nice to be able to have a garden.  I don't want big bugs, lots of snakes or any other creepy-crawlies. 
My hubby and I have loved everywhere we've visited.  We love California, but the cost of living is so high and the chance of earthquakes. . . . eek!  Plus, it's really far away from my family.  And Arizona was nice, but the snakes and scorpions. . . . and again, it's so far away from my family.
Sometimes when my hubby and I discuss it, the idea of Jacksonville, FL comes up.  It's only 3 hours from my family, it's close the beach, it has a big city.  It doesn't get quite as hot as central Florida.  But, the traffic is still kind of crazy. 
Is there anywhere like what I've described above?  I'm asking a lot, right?  Where would you live?   Which things are you willing to live with to get other features you like?  

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