Honestly, I'm at an age where I spend far too much on anti aging products to blow it all in a tanning bed. I spray tan instead and use lots of sunblock.
I go occasionally When swimming/at the pool, I wear a one piece bathing suit so my mid section hasn't been exposed to real sun in years. What I do is I lay on my shirt covering the below the bra, above the pantie section and I put a towel over my stomach. That virgin skin, lol, I'm trying to get that burnt.