As I said previously, I usually carry with an OWB holster and a jacket over it in the winter. The bottom is generally exposed and certainly gets exposed when I squat down or sit, but it's not a big deal.
My point is, if you have a Florida CCW, and being that Florida is also an OC-legal (notice I didn't necessarily say "friendly") state, you should be good to go. I would however make sure to follow whatever rules the state may have in regards to both OC and CC. You may as well OC and throw your shirt or jacket over it if you need to if you plan on making it almost 100% obvious you're carrying. I also tend to dress a bit nicer than most especially when carrying OC. I would imagine people would be more likely to call in if they saw someone with a shirt 2x too big and pants around their knees showing the bottom of a holster.