We just built our home with a builder in Central FL. We couldn't be happier. It cost more than we planned, but that was our fault - some of our choices were more expensive than the standard stuff. While making all the choices can be stressful, it's also fun and you appreciate things being the way you want them when you move in.
We went with one of the models our builder showcased, but made some changes to the floor plan and the elevation. Because some of our changes (like removing the golf cart door in the garage) simplified construction our changes to the plans cost almost nothing. Getting the layout the way you want it is the biggest reason to build rather than buy, I think.
Other posts mention some good ideas. I'll add that we don't regret insulating the attic with spray foam. The temp in the attic is almost the same as inside the home, and we save a bunch on electricity.
Good luck!
Edit: Get the electric wired with a transfer switch for a generator. If you can afford a whole house model good on you. We have the family room, kitchen outlets, office, master bedroom and bath wired to a generator switch. Our portable generator is plenty powerful to keep the refrigerators on, as well as other necessities.