I learnt the lesson the hard way when I first started snorkelling in Malaysia in 1997 - horribly burnt thighs and calves, which made it very hard to sit down. It hasn't happened since - I am now even wearing long socks with my trouser bottoms tucked into them. They help when walking on the little sharp pebbles at the edge of the sea, too. I look very bizarre, but as there is nobody but the man at the beach kiosk who brings me towels and drinks, it doesn't matter.
I really don't like deep tans, but I am well on the way to looking like somebody out of TOWIE in spite of my big sun hat, long sleeve blouse and trousers which I wear on my way to the restaurant.
I can't get a photo of myself as there is nobody on the beach but me, but I have put some of the hotel's own pictures on my FB page. I don't have an underwater camera, but the owner has taken some wonderful pictures of the reef and the fish - they are on the Swisscare Resort Hotel FB page.