dfrey:
First of all,
to TOTV, and TV.
I built in late 2004. To me, there was never any question: I'd go for the CBS (concrete block & stucco), even considering its somewhat higher price. Perhaps it's because I grew up in and then lived myself in a brick residence for some 60 years - and felt more comfortable (secure) in that construction.
When I built here, my designer was something like $3,000 more than its vinyl-sided twin. To me, at the time, that was a small price to pay for my sense of well-being. Were I to do it all over, I'd still do CBS.
'Tis true that termites can be a problem here, but that wasn't first in my mind. But, I was more concerned that "stick-built" homes might blow away in hurricanes or tornados! [Point of reference: I bought my lot three days after Hurricane Frances hit Florida over Labor Day, 2004].
Yes, termites can be a problem in Florida, but I'm inclined to think the weather is more to be considered!
Hope you make a decision soon and arrive in TV before summer!
SWR