Florida trended hard against the D ticket in 2020, although it can be competitive in the right circumstances (which may be possible given where things have been going since Harris was elevated).
But in terms of tipping points, if Florida goes for Kamala Harris, in all likelihood they have already won MI/WI/PA/AZ/NV/GA/NC and the election. Given the centrality of those seven states and given the size and expense of both Florida, it's hard for a campaign, even one that has raised as much money as Harris has, to commit maximal resources to it without impacting states that are closer to the tipping point.
I can see scenarios where it would make sense to spend a little money or even dedicate a few visits to FL or TX, but they cannot take their eyes off the ball (which are the seven states)