No I left ATP last year for a 135 charter.

Haven't been to Panama City, but its not the HQ, thats in Jax. My only experience was in PHX and I loved it out there. I passed through a few other locations and PHX seemed to be the best run and other students indicated the same.

Doesn't really matter whn you start, July is as good as any. You're gonna run into weather at somepoint no matter where or when you go.