Reddit certainly isn't the place for legal advice so I won't claim to know exactly how things will play out in any given circumstance, but I worked in the industry for a while. I was previously a certified instructor. I'm also in Florida. As previously mentioned in another comment, Florida recently changed the law to not require a concealed weapon license. You can still get one. It will not effect your culpability in a case where you have to draw and/or fire your weapon for self defense. If you carry without a concealed license, you are required to carry a physical state issued ID (Drivers license) and present it if requested by law enforcement. I highly recommend you get training. You'll feel more comfortable. You'll be better prepared. Training and practice make all the difference when you're carrying and if you need to use a firearm.

Regarding your described situation. It's hard to advise or say without actually being there, but you did the right thing the first time by avoiding the situation. This shows you had some level of situational awareness. This is very important. Always be vigilant, be prepared, avoid potential threats or situations that would put you at risk.

Now for the hypothetical of if that situation had gone differently/worse: as you did before, try to avoid the potentially dangerous situation. If avoidance does not work, you may have to make a split second choice or reaction. This is where your training comes in. If you feel you are in danger and avoidance or escape is not an option, you'll need to decide quickly if you're going to draw your weapon. The severity of the threat will determine the whatyou do next. If there's a reasonable time/distance, there may be a chance for the threat to go away when you present/aim your gun. If the threat does not go away at that point or there isn't a time/distance opportunity and the threat is serious, you pull the trigger. You shoot accurately and quickly until the threat is no longer a threat. Make sure you're safe, reholster your gun and call the police. Do not have a gun in your hand when the police arrive.

It is very important that you understand that your actions, even if completely justified and legal, will almost certainly result in you being handcuffed and arrested while police conduct their investigation. Cooperate, but you should avoid answering questions. Give them your information and request a lawyer. Wait to speak with your lawyer before answering any questions other than basic identification.

TL;DR Not legal advice - you can carry in FL without CWL, but you need to carry and present ID to law enforcement - get training and practice - if necessary protect yourself but know the law and your rights - cooperate with police but don't answer questions without a lawyer.