I think they have SPF up to 100.... don't they?
In walmart you can find covers for bathing suits (it's summer now right?) and they shouldn't be expensive. They have these blouses that are completely see through, which are great for the sun and to keep cool! They also have the matching pants that I see women use when I was in Florida. You just toss them on over your swimsuit...
If you can't find any there... are their stores that sell only water-fun stuff? Like bathing-suits and surf boards all...?
My mother makes clothes, she made me an adorable
almost see through dress with a long see through cover... it's all white with a bit of blue on it, and my swimsuit was blue, I'd wear the dress and cover over my swimsuit while on the boat (to shell island!) or in a resturant, and just the cover at pool side! So if you are good at sewing get some material!
Oh, and you can probably find some big-rim straw hats, they don't really look so silly if you're at the beach or on a cruise, they actually can look kinda classy like CW said! ... I wouldn't suggest it walking down the streets of New York or anything though!
Best of luck!