Hiya! I so feel you and have been stocking up on beach/pool cover ups this past month. Amazon has a lot of really cute styles of Kimonos, Sarongs, Palazzo Pants, and UV Tops!

When it comes to the beach and sun protection, no one will question it if you do choose to cover up to limit sun exposure :)

If you like to do lots of swimming, long sleeve zip rash guards are great (https://www.amazon.com/dp/B08QN5N3Y4/ref=cm_sw_r_cp_awdb_imm_SEF2TQVQ9T4PH7J1540E?_encoding=UTF8&psc=1)

In terms of swim bottoms, you can find a plethora of swim safe shorts and/ or skirts on Amazon as well (https://www.amazon.com/dp/B078772V8W/ref=cm_sw_r_cp_awdb_imm_Q3GFARQCVDRA2459G8CV?_encoding=UTF8&psc=1). This brand is great quality and has a fantastic selection of various tops and bottoms!

If you need any help looking for pieces you'd feel comfortable in, I'd be more than happy to help you look on Amazon as I love making wishlists myself :)

Hope this helps!