My husband was invited back to work on a consultancy basis after taking early retirement
. All it took was one trip back to the US for us to determine that we had adjusted to retirement on our boat just fine, and the work-a-day life no longer suited. While our experience may not fit everyone, based on other cruisers' reports of returning to work, it is not a negligible deal. You have to move from total control of what you do and when you do it to having your life controlled by a schedule rather than weather. Somehow it seems quite an imposition.
With coastal cruising in the US, one of your 3 months batches will be in cyclone season.
How might that affect your plan?
Honestly, it might be better if the 3 on 3 off were spent touring in the US. Had you considered a loop from Sanibel, through the canals, down the Chicago River, Tennessee R., and out into the Gulf of Mexico
? At least, your saltwater growth would die and fall off in the freshwater Great Lakes
. Might be a way to stay close enough that you don't have too much seasonal trouble, just remember the northern guys take their boats out for the winter....perhaps why you live in FL?