Ah, the college-age angst. I feel for you.
Tanning beds are worse for your skin than the sun. Tanning rays from either source are the cause of the worst skin cancers; it’s NOT the burning rays as people think. That’s why I said avobenzone. A lot of store-bought sunscreen is junk. They all stop the burning rays, but unless it contains one of the three ingredients I mentioned, forget it, it won’t stop the tanning rays which are what will cause you to get spots and shading. I choose avobenzone because it doesn’t clog pores.
As for SPF–15 is high enough. Statistically, anything higher really doesn’t work better OR longer because it has to be reapplied anyway. And, BTW, tanning bed tans look crappy. You get a weird shade of brown instead of that golden brown from the sun.
I doubt you’ll have much trouble on your legs as far as sun sensitivity ('sides, you need your Vitamin D, right? ). Just look out for your face, neck, and chest big time. Those areas will get the spottiest by far, and will burn easily.
If you wear makeup, Paula’s Choice makeup has an SPF of 15 and blocks both kinds of rays. I don’t know what other brands have. Wearing sunscreen AND makeup is a bit much, so usually I wear makeup (or if I’m staying inside, nothing on my face at all). And don’t think that after 3:00 p.m. that you’re safe. I’d wait to go out without sunscreen at maybe 6:00 or 7:00 depending on where you live. Also, I have been burned right through my car’s windshield and side window! In Summer and Winter both! Even my lips are not immune.
The only sunless tanning lotion I know of that doesn’t turn you orange is Fake Bake. Check out the reviews at Amazon.com. Also look at the different companies selling Fake Bake on Amazon, because the prices range anywhere from $13 to $40 for the exact same product!