Please let me first thank everyone for their wonderful encouraging responses.
I feel so much better about my body and I did order a sleeveless V-neck white cover up from LandEnd, in size 14-16 (large) - on sale for $15 !
Yes- in my teens I was a size 6 - even at my wedding at age 27.
Then our 2 kids were born (not twins - 3 years apart) - one a premie and the other a c-section. I became a size 8 and stored my size 6 jeans in my drawer.
The years passed , but I did go to a gym during my lunch hours - and still became a size 10 by age 35. The size 6 jeans were donated to Goodwill and the size 8 jeans went into my storage drawer.
Approaching age 40, I stopped working (layoff), I drifted into size 12 -14, on top. My waist line and butt could still wear size 10 jeans. The size 8 jeans were still in the storage drawer.
Now that I am 50 - I can squeeze into size 10 jeans - but honestly, size 12 are more comfortable (but sometimes baggie - I wish there was a size 11).
Small Erika & Co shorts (JC Penny) seem to fit me fine. I am only 5' 3" and ther medium shorts are too big. My top is a size 14-16 or large.
The size 16 bathing suit seems to fit me the best from LandsEnd. It does not let anything on top stick out, but the bottom part has some extra material, which is great to bunch up a bit to hide my tummy.
By the way, the size 8 jeans are still in the storage drawer.

I can not part with them yet.
I am glad to hear there are other women my size out there in bathing suits. Most of my girlfriends are in their 40's. I am the only 50 year old in the bunch. I guess I have reached my 'womenhood' and all I can do is watch my friends eat their bagels and dunkin donuts, while I drink a water bottle or iced tea (unsweetened)

Thank you all!
I also best do some exercise

to at least keep my heart in shape.