here's the stuff I do:

when cycling (on a sunny day, particularly on the road), apply high SPF sport suncreen to all of the exposed areas. wear the smallest shirt possible.

whenever possible, since I"m so crunched for time in general, get the bikini on before walking the dogs. of course, only when it's hot and sunny.

if I have more time than a dog walk for sun-bathing (rare, but happens once in awhile), apply a high spf to the bike tanned areas, and use a low spf on the white parts. the lines themselves can be a bit tricky, but I have several different lenght sleeves and a muscle shirt, so that all tends to get kind of transition-y anyway.

and, yeah, the take the shoes off in the sun at every opportunity usually works great. tanned feet tops almost every summer....

I, too, would be amazed to have an extra 15 minutes for sunless cream to set. besides, the dogs would probably lick it right off!! heehee ewwwwwwww

namaste
~T~

not exactly from the land of sunshine...