I live in south Florida, and I carry a G26 daily, strong side IWB. Loose shirts, including not just Hawaiian prints but others designed to be worn with the tail out, cover well and are well accepted here. For nicer occasions, keep your eyes peeled for lightweight summer sport coats with a comfortable fabric and no lining. One in beige and one in blue or gray will allow you to match nearly anything else in your wardrobe and go to nice restaurants, business meetings, etc.
I also have a fanny pack that I use occasionally (they are common and accepted wear down here - tourists have their cameras in them) and a pocket holster for short-term use around the house. I wouldn't use a pocket holster on a G26 away from the house, though, or for any period of time.
It isn't as bad as people make it out to be - I've been carrying for a long time and with some thought you can make it work.