When I see a recumbent bike in the golf cart lane on St. Charles, Pinellas or Hillborough, I think of the Springsteen song, it's a suicide machine, a death trap.
So you want ride low next to the ground in bicycle with no protection other than a plastic helment on your head with an 85 year driver moving along at least 30mph at maybe 3' or 4' feet away you you going at two or three times your speed. If you do decide that's what you want, get some flags on a tall stick at the very least.