Well the Sons of Anarchy, always carry their guns in an inside pocket of a leather vest
I'm no expert on FL statutes but yes if it becomes visible while riding it COULD cause you issues. Will it??? Depends on the officer, and the circumstances. I believe in FL you can only OC during, or traveling to or from fishing or a range or something like that. I always have a full leather jacket on. So if I wanna conceal it, I just keep it in the inner pocket in a small IWB holster. There are lots of holster options. If you need some brands and options I have some listed at http://tinyurl.com/New-to-Guns
I have a G17 and a G27, and the smaller G27 is much more comfortable to conceal. But the holster can make all the difference. Could always wear a shoulder holster over an inner tshirt.