changing what counts as a paragraph

My .tex files typically look like...

------------------------------
This is some text that I'm writing in a paragraph,
blah blah blah, etc. etc.

\begin{equation}
a = b + c
\end{equation}
-------------------------------

I currently have formatoptions = tcqwa. This works great for the text
paragraph (the first part). But it has some really annoying effects
for the second part, for example if I leave a space after "c" and then
leave insert mode, it will reorganize \end{equation} to be on the same
line as "a = b + c".

As far as I can tell there are no set of format options that will give
me the behavior I want in both sections. So my question is, is there a
way I can define what a paragraph is so that I can only have my format
options apply to the first part and not the second? Thanks!
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