Be aware that if you make a low GPA in college, your transfer options may be more limited. Note that some schools (including UF) only accept junior level transfers, so if you lose the family funding after frosh year (the riskiest time GPA-wise), you may have to transfer to a lower cost school that takes sophomore transfers, or go to a community college and then transfer as a junior.
You may want to choose a school whose net price is UF-level or lower – if through a merit scholarship, one with a lower renewal GPA than 3.5 – if you do not want the stress level of maintaining a 3.5 college GPA.