Stay below 1200' and call Daytona approach/departure on 123.9 and give them your request for status of the 2907 and 2903 restricted areas. They may pass you to Jax approach first. Either way, I would plan to fly towards Palatka (28J) and then head east between the restricted areas. I would not try too hard to avoid the Palatka MOA, but you can stay out of it fairly easily if it is hot by flying north a little further and then head west past Palatka.
Btw, don't overfly Palatka, as hey are very busy with skydiving, but flying near it will keep you clear of the restricted areas.
Of course, if the 2907 restricted areas are cold at your desired altitudes, then you can head directly your desired direction from the Creek.
I would definitely not go south around the restricted areas. That's just too far to go.
If you are going through the panhandle, the easiest route is to Defuniak Springs (54J) and the west past Crestview (KCEW). You may go through some MOAs, but having done most of my 1700+ hours in this area of Florida, I would have a lot more hours and a lot less remaining gas money if I always avoided MOAs. It's a good idea to get flight following anyway, but especially when flying through hot MOAs.
Overall, it's much more indimidating when looking st the map than it is flying. Just call and talk to ATC and it's never a bad idea to ask for their recommended routing considering what is hot or cold.