Biggles,
I did my PPL at Naples a couple of years ago and fully agree with whats been said about them. Richard (owner/manager of NAC) is a slimy moneygrabber but other than that quite pleasent if you keep him at arms length.
Nightlife at NAC is pretty good down on 5th (especially during spring break!!)
The quality of instruction at NAC is generally very good, however I suspect that its probably no better than OFT.
I STRONGLY advise you to do all of the writtens BEFORE you go out there. Getting them out the way means you can concentrate 100% on your practical flying, otherwise its too much to take in and the whole thing will turn into a complete chore. I went to my local flying club and they charged £20 per exam to sit me in a room to complete them.
One other thing to be wary of with NAC is the return of you're deposit. I know I'm not the only one to have had problems getting it back within a reasonable lenghth of time, or on other occaisions at all.
Best of luck,
Jimbo