Because of the termites and various bugs/insects, and the fact that we wanted a courtyard villa, we went with concrete block and stucco. As little wood as possible is best in our opinion. Now they tell us a new type of termite is invading Florida and it makes us even happier that we went with CBS.
We had vinyl siding up in Virginia and just before we sold, some of our neighbors became overwhelmed with termites.
You just never know.
Good luck in making your decision.