We install all three, which means we have no particular reason to talk you into any one of them. Here is how they actually differ once they're on a Florida house.
Architectural shingle is the default for good reasons: it's the least expensive to install, the fastest to replace, and modern impact-rated products handle wind far better than the three-tab roofs people remember. The trade-off is lifespan. Florida UV is brutal, and a shingle roof here lives closer to twenty years than to the thirty printed on the wrapper. Budget accordingly and it's an excellent value.
Tile — concrete or clay, barrel or flat — is the longest-lived option and the one that looks right on a lot of Central Florida architecture. The critical thing almost nobody is told is that the tile is not what keeps water out. The underlayment beneath it is. Tile shades and sheds; underlayment waterproofs. That's why tile roofs leak while the tile still looks perfect, and why a tile re-roof usually means stripping the tile, replacing the underlayment, and relaying the same tile back down. It costs more up front and it outlasts everything else.
Metal sits in between on price and near the top on lifespan. Standing seam hides its fasteners under the seam, so there are no exposed screws to back out and no rubber gaskets baking in the sun. Reflective finishes measurably lower attic temperatures through a Florida August, which shows up on the power bill. It's also the obvious answer for barns, workshops, and outbuildings on acreage.
A few practical constraints override preference. Tile is heavy, and not every existing structure is framed for it — going from shingle to tile can require an engineer's sign-off. HOAs frequently restrict material and color, so check before you fall in love with a profile. And any of the three, installed badly, will fail faster than the cheapest option installed well.
The most useful way to compare them is cost per year of expected life rather than cost today. Run those numbers with real quotes for your specific roof, and the right answer usually becomes obvious.