Fishing in both places is great... just different. In miami you are fishing in the ocean. in panama city you are fishing ni the gulf. i would fish around miami first though... another great place (my favorite)) to fish is around Fort meyers. what are you hoping to fish for? also, be sure you charted a boat with a small group, otherwise there will be like 40 people and everytime anyone hooks up, you have to reel in. not much fun.