I'm planning on not working from Jan - Mar, 2015 and live in frigid Toronto, Canada....and Charlie don't surf but he wishes he could!

I’ve read a quite a few excellent threads on where to learn to surf between Jan – Mar and it sounds like Nicaragua, Costa Rica, Bali and maybe the Philippines and Sri Lanka are good places for it.
I haven’t travelled much to South East Asia, so the appeal of finding something out there is quite high….but I’d like the focus of this trip to be on learning to surf and maybe doing some diving if I feel like mixing it up….so, if Central/South America is the place to be, please let me know.
Since I won’t be working, I’d like to keep it on the cheaper side….I was wondering if I join a camp for the first short bit and then go out on my own for the remainder of the trip?
I’d also like to be someplace warm with warm water – I saw threads saying that Morocco is a good destination at that time but it also doesn’t sound like it’s very warm then (or really for beginners).
Any advice you can give me would be greatly appreciated.
thanks,
Charlie