In Florida, school property is a no no, even if licensed for CC.
I wish we had the "dropping off/picking up exception, but we don't as far as I know. At my kids schools, there are "no weapons" signs posted at every pedestrian and drive entrance......it's pretty clear here, so I don't do it. I'm sure since they don't let me carry there that there must be a plan to protect me, such as a violence reacting automaton such as from the movie "war of the worlds" that will appear and save the day....
As far as churches, you can carry, no prob....and I do.