I use the CopperTone 50. Just used the 70 version today.

I only have it run into my eyes when I stop for a period of time. If it's just a few seconds at a traffic light, etc. It's fine.

If I'm standing outside my house post ride w/the neighbor blabbing a while... then the lotion running starts.

I wear contacts too. Ooo... ouch. Then it's a dash for the bathroom sink to splash it off. Rubbing only makes things worse. If you are out on the road, you could try giving yourself a squirt in the forehead w/a H2O bottle for a wash.

I put the lotion just above my eyebrow line. And just below my eye sockets where my sunglasses stop/ start. Never right under my eye itself.

I'm super fair skinned. I've never burnt under the eyes through the shades (good shades, btw... Rudy Projects).

Riding any speed other than dead stopped is enough to keep the lotion from running through the eyebrow line for me.