It is a crime under Florida law if unlicensed
Police do not need to assume everyone is licensed. You may be challeneged... Especially if there are other factors involved. Federal courts have ruled even in an open carry state, the police were not in the wrong in detaining someone while issues were clarified
http://www.guns.com/2015/06/16/judge-no-rights-violated-when-officers-detain-open-carry-advocates/
The issue in the case you cited was that the anonymous tip without any other observation, behavior, or evidence was not enough to justify a terry stop.
Basically - an unverifiable tip along with no indication of illegal behavior is not enough to justify a search. That's not same situation here, nor the same as if officer saw your concealed weapon.