You are required to adhere to the rules of both the issuing state and the state you are carrying in, or the more stringent of the two. If you do not have an Indiana LTCH, but are carrying in IN on a FL CCW, you cannot OC. FL does not allow you to OC, so we do not allow you to do so in IN either.
If the issuing state is more strict, you have to follow those rules while in IN.
This is the correct information.
If you are a visitor in Indiana, basically anything besides a resident, and you have a gun permit from your home state, in this case Florida, you must obey the Florida license rules, or the more stringent rules of the two states.
Basically if you have a Florida resident permit and are in indiana which give you reciprocity, but no indiana permit you must obey the rules of the permit you have, unless the reciprocating state has more stringent rules, even if the reciprocating state like indiana has more laxed rules, you still may not take advantage of this, as you do not have the indiana permit.
If you have a florida res permit and no indiana license you may only conceal carry if that is what your fl license allows you to do in your home state. If you wanted to open carry you would need an indiana permit as well.