Usually the merit based scholarships, offered by the Florida public universities will stack with BF (which is funded by the state). Check with FIU to make sure that’s the case here.
Your GPA is a bit low, but students get in with lower. The average “weighted” GPA for the middle 50% of admitted students was 4.3 to 4.6. UF calculates weighted GPA different from your school district. With UF it’s =0.5 points for honor classes (pre-IB, Pre-AICE), and +1.0 points for Dual Enrollment, IB, and AICE classes. You’re weighted UF GPA will be something less than 4.6.
If your UF weighted GPA is a 4.1 to 4.2 and you’re in the top 10% of your class, UF may be a slight reach. If your weighted GPA is 4.0 or less, and you’re not in the top 10% of your class, then UF is a reach.
With UF’s holistic admissions, if you have very strong EC’s, that can help counter a low GPA, but only up to a point.
Good Luck!