This.
Can we please shelve the "surge is baked in because it used to be a Cat 5" myth. Which as far as I can tell isn't based on anything other than people invoking Katrina. Seems like surge is actually way more complicated and difficult to predict, but appears much more sensitive to topography, fetch, wind direction and duration, etc. Wind speed of course matters (an actual 140/150 mph cane at landfall is going to push a lot of water, but those extreme impacts are localized to the actual eye wall), but "historical" wind speed/pressure of a storm is less relevant.
ETA: I'm not downplaying the impact of Milton or suggesting it was a "bust" somehow. But rather I'm suggesting that the surge impacts played out exactly like one would expect from a robust Cat 2/3 given approach angle and topography.