Welcome! And thanks for the years of service you have given your country!
I will answer a couple of your points, and I encourage you to read all of the "Navy Nuke: Getting Out" daughter board. Many of these questions have been answered by people more knowledgeable than me!
What's it really like as NLO?
40 hours of straight time. Anything over that per week is overtime. That means if they require you to be there, they pay you for it. If you work 72 hours in a week (which will be very rare, but happens during refueling outages), you will be paid an obscene amount of money.
Operations as an NLO should be mentally challenging. If you do the least possible with the least understanding it might not be, but you should dig deep into every job you tackle in order to understand it. You aren't doing maintenance, but you are operating the plant. The division of labor is different than a submarine, and management does not want the control room staff compared to Maneuvering watchstanders. There are some parallels, but not exact.
Rotating shift work as bad as prototype?
See previous question!
Also, you will be scheduled for 7-8 days off every 5 weeks (unless you are in an outage). Some people work on those days off, others don't. It depends on the staffing where you work on availability of OT.
Turkey Point?
That's a great place to get in and move up quickly. That means that many people leave there every year. If you like the area (snorkeling and saltwater fishing) and don't have kids you may love it. If you have kids but homeschool or send them to private school you may love it. There are good public schools in the area, but it is expensive to be in those districts.
I guess you are at Kings Bay, since you mention living in Florida. You do realize that Charlotte is probably as close as Turkey point, right? There are good reasons to go to Turkey Point, but similarity and proximity to Kings Bay are not reasons to go to Turkey Point!
Read the "Talk about: Turkey Point" thread for more info.
GOOD LUCK!!