I was in the same boat as you, I'm in FL as well BTW. I just pulled the trigger on the Sport ll from Gun Buyer in Daytona. They have it for $497.00 and free shipping. You have to pay tax but the final cost was $530.00.
I went with the MP for a couple reasons, first the warranty and reputation of SW. Ruger has a great rep as well but I already own other SW pistols. Also along with the shrouded firing pin the Sport has a chrome lined barrel and bolt carrier. Should last much longer. That being said I had a tough time deciding as well. I shot the Ruger at the range and loved it. I'm hoping for as good or better from the MP.


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