Do not settle for Florida standards. We retired to Florida a few years ago and it is NOT a powerhouse for educating its children. Requirements and being competitive are two different things. We all need to take classes we can do well in but don’t enjoy as much. Putting up with one more year of Latin now may widen her options later. Plus, it sounds like she will still be able to take some science. She may also change her mind about college sizes- large campuses are composed of many smaller units and usually offer many more courses in the sciences.
Will she have regrets if she takes another year of Latin? No. She might when it is time to apply to OOS or private colleges if she stops at three years.