Mitt Romney keeps "winning" debates -- or so the pundits say -- but should he win Florida?

Less than four months away from the state's presidential primary, Team Romney is building an aura of inevitability around his candidacy. This week's endorsement by New Jersey Gov. Chris Christie was another indication that the Bush wing of the party is falling into line and the fix is in.

But what plays in Jersey won't necessarily fly in Florida. Remember when Romney skipped this state's Presidency 5 straw poll? Despite backing from some key state Republicans (many of whom had just jumped off Tim Pawlenty's broken-down bandwagon), Romney finished a distant third to Herman Cain.

For all his money and organization, Romney's poll numbers are stuck in the 20 percent range nationally. His double-digit lead in New Hampshire owes to his residency in Massachusetts, and Cain is in a statistical tie with him in Iowa. 

The setup is establishment-versus-grass-roots. Apparently Romney and the party brass are betting that the GOP's next-guy-in-line procession will prevail again this time.

But the case can be made that this nomination process should be different. Republicans saw what happened in 2008, when a middle-of-the-roader like John McCain was beaten by Barack Obama. Most sensible people understand that Democrats see Romney as a most beatable foe in 2012.

Romney's notorious flip-flopping and his continued embrace of Romneycare make him easy pickings for Obama. Word has already leaked out about Romney advisers meeting with Obama staffers early on to discuss health-care plans.

Contrast this political-insider behavior with Cain, who, except for a stint on the Kansas City Federal Reserve Board, is the ultimate outsider.

At Tuesday night's Bloomberg debate, Cain vigorously defended his 9-9-9 plan, which would make over the U.S. tax code. His scheme is starting to take hits, as expected, but 9-9-9 is at least original, daring and easy to understand. It's the antithesis of Romney's 59-point blueprint, which is derivative, boring and defies a nonbureaucratic explanation.

Romney is the prodigy of a well-heeled former Michigan governor who himself was briefly a GOP presidential hopeful. Cain is the son of working-class parents.

"I was po' before I was poor," Cain said Tuesday in one of the best lines of the night.

His rise up the corporate ladder earns respect in Republican circles, and his humble beginnings give him the street cred to take on the Wall Street occupiers crying for more redistribution of wealth.

Naturally, Cain's climb in the opinion polls is starting to generate some blowback from his rivals. Michele Bachmann harrumphed that 9-9-9 "isn't a jobs plan, it's a tax plan."

Ouch.