Having carried in florida for years I have this down pat. My traditional attire is shorts and a t-shirt. I typically carry one of two things. A Glock 23 with a spare mag with a Little Bear Holsters IWB. or a Dan Wesson CBOB 1911 .45 with 2 spare mags in a Pure Kustom Black ops Pro, usually IWB. Neither are super small guns and both are 100% concealable.
The only caveat I have with carrying the 1911 is since it is prone to rust much more so than the Glock, I tend to favor the Glock.