Your mileage is about normal for a stock CRD with your driving. But as mentioned you can't really judge by a few tanks, you need a longer term average.
But since your driving at 60 MPH you either need to accelerate to 64 to get into 5th gear then slow down to 60 or get a TCM tune that will shift earlier. There are two and the easiest to get/find is the GDE tune for non trailer towing, it should tow your boat fine too since you have no mountains in Florida. I have a pre F37 transmission controler that shifts at 59

and a GDE full torque Eco tune and my summer mileage that is mostly short trip intown is between 22 and 24 mpg. We also have spring, fall and winter in Ohio and my since new average is 20 but the tunes were added later at diffeent times.
My Tom-Tom indicates when my speedometer reads 69 I'm actually traveling at 65 so going up to 64 then backh down to 60 should not get you into any trouble. Since the Speedometer and Odometer are electronically controled they can and are totally different in their readings unlike mechanical units of old
Our CRD odometers mostly report lower and Speedometers report highter then actual.
The best part is when towing our 3000-3200# camping trailer we average 19-20 mpg (uncorrected)
A better torque converter then stock is needed for the full torque tune.
The standard GDE Eco ECM tune and their TCM tune would work fine with your stock TC pulling your boat in Florida and you would see a big increase in mileage. And a much better running CRD
Tires and inflation pressure can help a lot too.