Well if you live in south FL I assume you are careful not to wander into certain
parts of
Miami at 3:00 am on a Saturday night. Same thing for certain burroughs of
NYC. Same thing for most
parts of the world.
Use a little common sense,
research specific areas before you go (ask other cruisers, people who have been there recently) and go have fun. Most places are as safe as south
Florida, or as dangerous. All that being said, there are some places to avoid at any time, like
Somalia these days. Closer to home
Venezuela has been problematic lately. Check out the situation when you're ready to go.
Liveaboard in the US: you speak the language, know the
customs, could be a crime victim.
Liveaboard outside the US: learn new language, learn new
customs, may be cheaper, could be a crime victim.
If you are
retirement age you might want to
research medical care in the areas you will
cruise. Some spots may be a long way from good trauma care or an ICU.