Seems to me that if your intention is to rub it all over your body in places that the sun don't shine, the SPF version wouldn't be that necessary. Since you can buy two bottles with a slight discount, you may want to consider getting a divers bottle and a bottle with some level of SPF (15 or 30) to cover your face and the back of your hands.

A fish and a bird can fall in love, but where will they build their nest?