An IM convertible D, with a Vintage Air AC and subie can be driven with top up or down with AC and I have driven it top up at 100degrees over here. If your rear window can be zippered down, voila, you have a canopy. BTW IM does have POWER windows as well so if it gets too hot a closed cabin makes it easier to cool. Just saying. I have yet to drive it any lower than Monterey in May 2015 so others will have to comment on Florida or California experience.