I am a Floridian, too, and a professional. I think you are overestimating the public in their ability to detect a gun and their willingness to look at certain clothes as out of place.
My EDC is a Glock 26 carried IWB, and my pocket gun for when IWB is not feasible is a Sig P238. I know neither of those fit your criteria, but my point is that cover garments are available to cover whatever pistol you decide on. I routinely wear a light sport coat or a nice tail-out shirt to cover the IWB holster. I own my own practice, so I don't have to leave my pistol in my car at work, but I occasionally do at the post office or government offices. It only takes a couple of seconds to un-holster an IWB pistol and stick it in a lockbox. It doesn't need to be an attention-getting event. I know of no law in any jurisdiction that outlaws an empty holster, so I leave my holster in place. My pocket pistol is used primarily when I go to church, because I am a pianist and have to change from jacket to robe when there are people around.
Light jackets don't get me a second look regardless of time of year, and nice looking shirts made to be worn with the tail out are not hard to find, and look as appropriate here as tucked-in shirts without a jacket. Beall's is a good place to find the latter.