From Florida’s Gulf Coast to the Caribbean and Mexico, these warm waterfront destinations might have you trading your winter coat for a swimsuit. I love winter. I really do. Give me a charming mountain town, a cozy cabin with a fireplace, a beautiful view, and a fantastic restaurant, and I’m a happy woman. There’s something wonderful about bundling up and exploring a place that looks like it belongs on a Christmas card. But somewhere around January, when the holidays are over and the cold has officially worn out its welcome, I start thinking about palm trees. And turquoise water. And sitting outside at a restaurant without needing a jacket. Don’t…