Follow your wife's advice. Florida has experienced an unusually cold spell (as has much of the US), but since your cruise is a long way away - don't borrow trouble. On a cruise my daughter and I took a few years ago in January, it turned out to be the coldest day on record in Key West and the residents were even wearing hats, scarves and gloves. But,it was a phenomenon that only lasted 2 days and when I returned 1 week later it was very warm and sunny. However, on the other hand, what I wouldn't give for a 70 degree day - sounds almost summerlike!