Honestly I don't know much on this subject, but for what it's worth, I primarily use Sunplay Sport SPF120, this comes in a liquid form rather than thick lotion/gel and they also come in very small bottles that easily fit into the jersey pocket or saddle bag. While I don't have any skin issues with this particular product, but I notice they tend to stick onto my skin quite aggressively(?), I end up double-washing myself in the bathroom to get rid of the remaining layer after a ride.