i've been using a sunscreen i buy online from the super salve company; it's called sierra madre sun cream (spf 30) and here's what i love about it:
1) i understand what all the ingredients in it are, no weird chemicals (including none of the octi- ones that are supposed to be estrogenic/ possibly carcinogenic)
2) it smells great and feels good, rubbing in easily and not leaving me looking whiter (or purpler!) than i already am
3) it's reasonably priced, particularly if you buy 3 (optimum use/division of the shipping cost w/o going up another weight bracket)
i *rarely* buy things on line but discovered it from a friend of a friend and now i really love it and so does everyone who's tried it that i know....

that coconut idea is so fascinating! i'm never as careful as i should be but do try to protect myself a bit when i think to b/c i have so many moles and had so many sunburns as a kid, etc. etc. hmmm... something to think about though.