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Flo sounds unbearably redneck to me. All I can think of is the waitress in Mel's Diner. Some may say that it's unfair to stereotype the name because of the character, but actually I think the writers chose that name for the character because it was already stereotyped.
Anyway, I would never use it on its own. Of the two choices, I would pick Flora, though I really don't like either Flora or Florence.