I live in Florida and carry a G-17/26 in a Milt Sparks Summer Special 2  at all times.  I am typically dressed in shorts, boat shoes, a t-shirt tucked in, and a "cover shirt".  The key here is the cover shirt.  It is a bit longer than my belt line and cover very well.  The shirts are good looking, they don't scream GUN like a vest or fanny pack, and even my best friend didn't know I was carrying.  They typically run about $10-15, but the real nice ones can run to $35.  One vest is twice that price, and I have a closet full of shirts to choose from!  If you want pics, email me  frontierdad@msn.com
Good Luck
Bob