Gas-planets would be a challenge with no habitable surface, especially those with high winds. Would a floating sky habitat be any easier than just living in spa

Gas-planets would be a challenge with no habitable surface, especially those with high winds. Would a floating sky habitat be any easier than just living in space? But anything at or near Neptune receives very little light. There's a big gap between Mars and Jupiter (5.2au vs 1.5au), 10au to Saturn, and then a massive gap to Neptune (30au); anything habitable probably needs to be in the Mars-Venus band, fairly close to the sun.