Florida used to be tough, even on a momentary exposure. The law was changed, and is more lenient as long as it is not a deliberate exposure. Illinois, my home state, did pretty much the same.

As far as concealment is concerned, you must dress for the part. If you want to be a fashion plate, carry a whistle, not a handgun. If I don't have a suitable cover garment, I pocket-carry. This works for everything from beach shorts to dress slacks. I can use and IWB with an untucked shirt, preferably loose fitting with a pattern. IMO, tucked over a holster is too much trouble, both when dressing and getting at the beast quickly.