I used the spray stuff on the kids during swimming---it rocked!
The kids spend a LOT of time in the water/sun camping with SIL....they have moles developing that I don't know whether it's sun-related or just genetic, but at any rate I think sun protection is important.
I got some BullFrog sunscreen that I had heard good things about, but my MIL says it stings when she puts it on. :/