Hi, fellow Louisvillian!
Here's what
not to use: Coppertone Sport Spray. The Coppertone Sport Lotion works great and is fairly water resistant, both sweat and pool water. And the lotion in the trigger bottle is fine. But the spray only covers the area where it is directly sprayed, even if you rub it onto other areas.
We learned this the hard way last Wednesday when we took a rest day and went to Clearwater Beach. We were red after 3 hours at the beach, except for these white polkadots where we'd sprayed. It was pretty funny to look at us, but we were all burned.