Yes, I live in the southeast. Generally very high humidity outdoors in the summer, but most homes built after the late 1960's in this region were designed with central air. I've also lived in a fishing cottage near Tallahassee (one year) and a one bedroom apartment (four years) with L lenses since 2006.
I've lived in Miami in a studio apartment with a wheezy old window-unit, back in the days of film. Never had an issue with camera gear or computers at all. In that apartment, the closet had no door and was adjacent to the tiny bathroom. We had the old jalousie windows which did little to keep the AC in or the humid air out, but it was probably that "natural" ventilation that prevented mildew from forming anywhere except the bathroom, and then only if I went weeks without cleaning the shower/tub.
I do belong to a camera club with about 40 members. As far as I know, only one member ever had an issue with mold, and I believe it was in a 70-200mm f/4. But she had gotten it wet in rain, stuffed it in a case without drying, then kept it in her cracker house with no AC at all for weeks before noticing the issue. This was obvious neglect, but she still lives without AC and has had no other problems. Keep in mind, though, that cracker houses were designed before AC, and they are actually pretty comfortable with the higher ceilings, ceiling fans, and being up off the ground. They have windows higher up too for proper air-flow.
In our current house, a couple years ago, my wife noticed that in the master bathroom the mildew just kept coming back on the tile in the shower stall, no matter how often we sprayed and cleaned. Turned out the shower pan had broken, leaking water into drywall and studs. Expensive getting that all fixed, but the point is, even with that going on in a part of the house, no other area was affected--thanks to a pretty good central AC system.
Unless Dallas is significantly more humid than swampy areas of the southeast, I can't see a big problem in a house or apartment that has a properly functioning AC which cools and dehumidifies.
As far as fogging, we don't usually keep our temps below 76 deg F in our house, closer to 80 when out during the day. If I get out early in the morning, no issue at all. Of course if I go straight out into high 80's to mid 90's, I'll get fogging, but I usually put my gear out in the garage ahead of time, early in the morning, to give it time to warm up. Or I put it in the car with the windows open as I'm driving, keeping the AC off for a while.
Silica packs? Don't they quickly get saturated and then lose effectiveness? How would you keep up all the changing or drying? I guess if I got a lens wet enough to worry, I'd try sticking it in rice. Fingers crossed, been lucky so far!
Finally, the one thing I do my best to avoid is leaving camera gear in a car during the summer. I just think the heat does things to barrels, gaskets, and plastic parts that are bound to affect the optics. And if the weather is humid, I'd think the heat just makes things worse.