I'd get a moped or something else that has great MPG if I could use it more than 5 months out of the year, and only on the dry days.
You'd think. But many people in Florida drive SUVs (like Koop, although his is pretty tame). Now, you have to consider that some people tow boats or jet skis or RV trailers. But those people are most likely using pickup trucks. So why are so many Floridians driving gas-guzzling SUVs? Well obviously, it's because of all the mountains! For example, here's the highest peak in the state, at 345 ft.

Pretty crazy, right! You need some serious traction to handle that, especially in the winter, when the road can be mildly cold.
That’s why I don’t get a convertible. There’s even less time to use it when you cut out the blistering hot days in July and August.
Unless the Mrs. and I are going to some event where we have to look fresh, I don't put the top up and use the A/C much in the summer. As long as I'm moving, I can deal with mid-90s. Of course, I work from home mostly. And before I worked from home, I'd wear shorts and a casual shirt to/from work on hot days (sometimes I'd change into jeans). If you're dressing-up, that could be a problem.
One of many arguments I had with Memebag involved top-down driving on hot days. He would use the A/C with the top down, which I thought was ridiculous. But he questioned why I felt the need to give an opinion on his comfort.
Living in New England, one is either diehard with keeping the top down, or you're one of those dicks who has the top up all the time - even on really nice days. In the morning, if there's bright sun, I can handle mid-50's, using the seat heaters and heat vents with the windows up. On an overcast afternoon, it has to be mid-60's to be comfortable.