I also live in Florida and also conceal under a Hawaiian shirt.
Couple of things I do:
Hold the shirt tail with your fingers and tuck your thumb in your waistband.
Hold the shirt tail against you while idly scratching your stomach.
Or just hold it. No one will notice, much less get suspicious.
Don't worry about looking dorky. Unless you're a supermodel or on fire, no one is going to pay any attention to you.
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