Since money is an issue, I'd think that Miami would probably be cheaper than the Keys (both for cost of flight and accommodations). I'm actually in the process of planning a Miami trip for the same reason.
One suggestion, which I've used in the past with great success is to use AirBnB.com to find a good place to stay that's cheaper than a hotel. I've been a part of this network for years, it's a really awesome way to travel on a budget (or make some money if you've got extra space).



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