I had fescue in Huntsville for about 20 years, and every year it got a fungus around June 1 and basically died out. Last year I sodded with Zorro Zoysia and like it pretty well. I've got some spots that get no sun so I'll have to do something else in those areas ... mulch or I may try bent first. Both Nashville and Huntsville are in the "transition zone", meaning you can grow both cool season and warm season grasses. It also means that neither one does particularly well because of cold winters and hot summers, but zoysia can be grown as far north as Chicago so it's the best warm season variety for the transition, and even the cool-season-only, areas. It turns dormant in the winter so if you want green, you have to overseed with rye.
But to address the original question ... St Augustine seems to be the grass of choice in Florida, so the fact that everybody expecting you to grow it may be just because you're in Florida. Bermuda should do just fine ... all the golf courses have it. St Augustine is too wide-bladed and rough for a golf course. Actually, it looks like crabgrass to me. I may be wrong but I think both St Augustine and centipede need a sandy soil, which Florida has.