My only problem with Gainsville goes back to the issue you mentioned, regarding the "frost line." It still is USDA hardiness 9A just like Houston, so won't have the coconuts like zone 10+. Nor deeper equatorial plants like zone 11 and 12.
But I definitely agree to choosing Gainsville over here, if a 2011 drought repeat does verify — but if summer here turns around with rainfall, then there will be more fence sitting.
As for the palmettos @DoctorMu mentioned, those are the only species of tall palms that would have been bulletproof through the Feb 2021 freeze event. Or at least just cosmetic foliage damage. Not only the carolina palmettos that occur in FL/SE US, but also the mexicana that occurs in the RGV.
Of the tall exotics, dates (both canary and true dates) seem to have fared better than washingtonia robusta from what I see. Interesting considering the latter is often the most used palm for landscaping in the Houston area. Not sure about pindos, Med fan palms, etc regarding their max height.