David, I live about 75 minutes due west in Pensacola, but don't get down that way too often. Destin is pretty much a vacation spot but a nice one.
The best golf within say half an hour is Kelly Plantation, which I think is a Gene Bates design with Fred Couples out front. At Sandestin there are side by side Jones brothers courses - The Raven is RTJ II, Burnt Pine is Rees. I personally prefer The Raven.
There are a couple of courses, pretty typical resort fare, at the Sandestin Resort right on 98.
A bit farther away are Camp Creek (Fazio) and Shark's Tooth (Norman) over near Panama City. I haven't played either one.
Just saw Adam beat me to the punch, good advice there.
My favorite thing about Destin is the town motto - "A wonderful drinking village with a major fishing problem." Lots of restaurants and bars right there in Destin. My personal favorite restaurant is half an hour east on 30-A, Criollo's, excellent Italian, but a long way to drive home after a bottle of chianti.