I’m over on the west coast so my I can’t give you any good specific info but the few things I will tell you can apply for any type of fishing all over the world.
So I’m not sure how much experience you have, although you have made it clear that you do have, at least some experience.
Stream fishing involves lighter tackle then what you’ll use in the saltwater since the saltwater fish are larger and put up a better fight.
I’d recommend going to a local tackle shop and talking to them, seeking advice and having them pick out the rod and reel you should buy. Most companies fix the price of their fishing reels so there will be very little, if any, variations between the prices of the rods and reels. Walmart, Bass Pro and some little mom and pop store should sell them for the same price. Occasionally, you can find equipment cheaper on Ebay.
There are, let’s say four different types of reels you can choose from. Flyfishing reels, spinning reels, spincasting reels and baitcasting reels. If you’re a flyfisherman the choice is obvious, otherwise, you’ll probably want to get one of the other three. Spincasting reels are obselete and will give you problems. Plus having the line in an enclosed case makes it harder to fix any tangles that might occur in the spool. That leaves you with baitcasting reels and spinning reels. Both of them are great and are used in different applications, although there is quite a bit of overlap (especially in the east coast where they aren’t as afraid of spinning reels as we are here in the west coast). I won’t go into baitcasting reels much because I am not going to recommend them due to your lack of experience. Pretty much the difference between the baitcasters and the spinning reels is that the baitcaster has a rotating spool while the spinning reel has a fixed spool. The rotating spool spins and shoots line out. Air resistance slows down the line and bait faster than the spinning spool slows down. This causes a “backlash” or “birds nest” to occur. Basically it’s a huge ball of tangled up line in your reel. You need to manually slow the spool down with your thumb to avoid that. It takes quite a bit of practice and experience and that is why I won’t recommend it as your first setup.
So talk to the tackle shop and ask for some advice. I’m sure they’ll steer you towards a spinning setup as well.
Also, try to get a rod from Shimano. They have an awesome “limited lifetime warranty” and they are not in the least bit shy of replacing broken rods for free. Even if it’s user error.
If you intend on fishing both lakes and piers, you might need two separate setups. Bass are the popular game fish in most of the world, and especially in Florida, so for the freshwater scene you’ll be looking at a Medium or Medium Heavy rod with an appropriately sized spinning reel
For what it’s worth, I’d recommend the Shimano Clarus as your rod. Here’s a model number for a Clarus with the ratings you’d need CSS-70M2A. I’d put on a Shimano Sedona 2500 for the reel. Together, you have a nice little setup for freshwater fishing.
That’s about as cheap a rod and reel I’d personally recommend. You’ll find glass and composite rods for cheaper but graphite is definitely worth the money.
Don’t have any advice on pier fishing, although I can probably talk to a friend who can help me to steer you in the right direction.