RE: The best muzzle loader ever...
That is a hard question. Just because the rifle is a time tested rifle that was one of, and still is onr ofthe best selling most dependable rifles ever.. It would be a Thompson Center Omega. Not the Z5 model but the better grade, the standard Omega with a stainless steel barrel. Those can be found for around $350.00 after that I would add bases, Warne QD rings, and a Nikon Pro Staff Scope. That would keep you under the $500.00 limit.
There are some other excellent rifles out there, some of them are discontinued or untested fully in the muzzleloader market. Others are the older technology and while that does not bother me, it does bother others. These rifles include the Triumph, KP-1, KRB, and some others. You living in Florida, you can shoot sabots. Omega's are real good sabot shooters. A stainless steel model with a good Nikon Scope would be all the rifle you would ever need.
If the rifles that have just hit the market interest you, then do consider the Triumph, KP-1 or the KRB7 all of them I am sure would work and be a great rifle. They are just hard to recommend right now. I personally do not own any of them. I still shoot the older technology style rifles with excellent results.