How sweet you are!

But alas, you guessed correctly; Florida would be a bit of a drive to go guitar-shopping, even for a gear addict like me. :wink:
I wouldn't say eBay is totally out of the question necessarily, but there is, of course, a certain risk you'd have to take. There are two main reasons I suggested going to a shop.
First, until you've actually played a few guitars, you can't really predict what's going to feel and sound right for you. For example, I'm what might be called an old-school kind of player, having grown up playing traditional electric guitars like Gibsons and Fenders. Ibanez electrics, for all their quality and tone and endorsements, are all but unplayable to me. The neck profile (the shape in cross-section) is too flat for me and just doesn't feel right.
Now I did buy an electric guitar off eBay once - from a guitar shop with an excellent feedback rating - and I love it. But I had played a few of those models before and could at least make an educated prediction of what to expect.
The second reason I recommended going to a shop is that guitars need supplies and a little maintenance every now and then and I personally like having a regular shop where they all know me and I know I can trust them to take care of me, just like having a regular garage where you get your car repaired.
Again, an example: strings put a great deal of tension on a guitar neck, so to counter this, there is an adjustable steel rod, called a truss rod, inside the neck that puts tension in the opposite direction. If you live in the UK and buy a guitar that was adjusted for Texas or Japan, it's almost certainly going to need a truss rod adjustment (after you've had it for a week or two and it has aclimated.) You can learn to do this yourself, but I'd recommend taking it to a shop at first. If you buy the guitar there, they might adjust it for free, otherwise they'll maybe charge you about $30 US for a complete set-up.
And I'd have to throw in with your teacher that an hour a day for a year ought to get you where you want to be at this point. One of the great things about the guitar is that you can do that and get to where you can accompany yourself singing, or you can play six hours a day for ten years and be the next Liona Boyd, or, like most of us, you can find a place somewhere in the middle that's just right.
One practice tip, if I may: Let's say you've learned how to play a G major chord, a C major chord, and a D major chord, but changing from one to another smoothly and quickly is still a challenge. If you're watching a movie or a tv show, practice changing back and forth between chords while you're at it. You don't even have to strum, just keep changing chords in any random order. In addition to building up the callouses on your fingers and improving your dexterity, you'll soon have those chord changes so automatic you don't have consciously think about them. This, as you can see, is a big step towards being able to sing and play at the same time.
The best online community I've run across that focuses almost entirely on guitar is guitarnotes.com. The folks who populate it are as passionate about guitar as I am, and all are willing to help and to share ideas. We have members who just started playing and we have pros who have been teaching for thirty years.
Cheers!