I didn't think about it until reading this thread, but I've been going to "Destin" at least every other year or so since I was about 10 years old, but the amount of time I've spent in actual Destin is next to none. My folks usually get a place on 30A in Santa Rosa Beach, which I enjoy visiting. Just a ton of great restaurants, low key bars / pubs, coffee shops, and local shopping options all the way from Santa Rosa to Watercolor, Seaside, Rosemary, etc. Plus the beaches are way less crowded if you're not into the spring break scene.
Destin is still decent if you're in a more outgoing mood (way better than PCB for damn sure), but I think once anyone gets to around 25 or so it gets old quick.