I am in Florida too and drive a supercharged mustang (compressed air is hotter) and with a proper tune there are no issues with heat.
Honestly I disagree with most of what you wrote. My suggestion would be to read more about what a tuner actually does and how it does it. Prior to OBDII standards when there were no flash devices there were bad things being done to "tune" vehicles. As things changed, people learned more and tuning became more of an art form. In a tune you are modifying parameters, not tricking them. You are adjusting transmission parameters to lower heat (which is what kills automatic transmissions) and you are doing many other things that increase the efficiency of the engine all while potentially increasing hp,tq and fuel economy in the process.
Can a tune reduce longevity, yes absolutely...if done incorrectly. Can the IAT trickery reduce longevity, yes most definitely. Timing has to be retarded as a vehicle gets hot. The problem is, most manufacturers retard it too much. A tune will still allow this to happen but at a lesser degree. With tricking the IAT the engine is hotter than what the sensor tells the computer it actually is. So, the computer may think the temperature is 160 degrees but the actual temp may be closer to 200. Now, will you as a customer see this reduced longevity, probably not.
Using a tuner allows the vehicle to still run completely within the factory parameters though at a modified level. Add in the ability to read and clear DTC's, and datalog sensor parameters and the device more than pays for itself.
For your MAF, newer drive by wire vehicles are VERY sensitive in this area. Chances are no matter what you do, it will still set off the check engine light. This is why most cold air systems for newer vehicles require tuning.
Ultimately you do what you want with your car and I am not here to sell anyone on SCT. I am not in the sales department, I am an engineer. If you want to use IAT trickery go right ahead.