Sunshine, I live in Florida, too, and understand the importance that the bathing suit has in our wardrobe.
Where in Florida are you? I'm in Fort Myers.
I used to wear only bikinis and thought I'd never wear one again, but alas, I finally found one that works! The bottoms are a funky, colorful skirt/short combo (a.k.a. skort) that I bought at West Marine, which I wear with a bikini top. The skort covers everything below the belly button, and the bikini top shows just enough tummy to make me feel like I have a bikini on. I also have a sexy, black one piece suit with a skirt that looks like a mini dress with a halter top. It has two layers to it, so it really hides everything.
Good luck finding the right suit for you. They're out there, you just have to try a few on before you find it!
PSA Delhi, I love that story!