I'd take the V-8 Dakota, but opt for the 5.9 rather than the 4.7. These Dakota's really move. Toyota's reliability didn't come by way of its' 3.4 V-6 and are much more expensive on repairs.
Given the two choices, I'd pick the Toyota any day. Very reliable, and well built (I'd personally get 4WD, but you may not need that in FL).
(I'd also argue that the 3.4L is very reliable)
The only Dodge I'd buy is the new Ram 1500 with the Hemi. The Dakotas are due for a redesign, and the current engine offerings for it are lame, IMO (the 5.9 is a gas guzzler, and way underpowered).
If you're going to haul/tow much, the Dakota might be a better choice than the Tacoma. However, at that point I'd recommend just getting a full size truck.
I drive the old style Dakota ext. cab and it has 295,000km on it with 0 engine or drive train problems. The only work done to it has been regular maintenance.
I've got a 2002 Dakota QC that I'm pretty happy with. I didn't look at the Toyota, because the price and warranty on the Dodge was too good to pass up.
I'll disagree with Zen on the engine choice though, the 4.7 liter has a ton of power and pick-up (and is quite a bit cheaper).
I'm now in a 2000 Dakota Quad Cab. I look back wistfully on my Toyota days and wonder what I was thinking when I switched. If you can afford the Prerunner, grab it.