Parker, no offense but it sound like you are a novice about home building and about rain patterns in central florida(keep umbrellas handy). I'd suggest you get an architect or maybe better and cheaper may be to hire your own inspector. Get one experienced with construction and he could not only help you prepare your building specifications for your builder (who is looking to make his own buck) but could do on the job inspections thoughout construction. Build this into the contract that the builder must pass his inspections. Remember city inspectors are only concerned with meeting minimum building codes and don't always to physical inspections especially for residential. Your paid inspector can have your interests in mind and answer these kinds of questions for you. He may help prevent those building defects that get covered over.
Technically the builder is doing his job by offering you options with different prices and you may be looking at options to save money. (we could all build a dream house with a million bucks) You may just need some help in knowing which are the good options or bad options and which ones make a difference and which ones might have an effect in the long run. No gutters will cause dripping around the foundation(and on your head), puddling, then lead to drainage into your basement or crawl space instead of away. That moisture could result in wet basements/crawlspaces, rotten floors, mold, and mildew among others. Go down this website for all the moisture problems we deal with.
Go further down the page to read our discussion about inspections or type in control and f and type in words like inspect and others to know more about them. Jack and Jay may come along and add their two cents worth on this and maybe Jack is an estimate for a charge for the services.