I lived not far from there for 29 years, nice place. Bugs aren't really bad there.The worst time is August, some mosquitoes and lots of biting flies. Nothing there in the winter. If you find a couple of large sand dunes on the east end, to block any wind, the beach can be comfortable on a sunny day in the winter. You will have the beach to yourselves. Another nice State CG is Topsail Resort, near Sandestin. More to do there in the winter since the beach can be a little chilly. The 3 miles of bay does help moderate the temps on St. George unless there is a stiff north wind.