I start by moisturizing my face neck and chest with my own anti-aging SPF And IR Defense Sunblock called Recapture 360... Allow to sink in... Then I like Neutrogena's range of spray on sunblocks for body... then I use a foundation with SPF 30 or higher on my face to add yet another layer of protection to my face.
Whenever I wore a bathing suit, I kept a sarong around my hips that went halfway down my thighs. The tops of my thighs are like baby skin. Where the sarong ended, I can see sun damage: I've got dark spots and places where there is no melanin. The spots are not pretty, so I encourage everyone to protect their skin from the sun.