If you've heard that you can save money on sunscreen -- cheap is chic these days -- by using a body lotion with SPF 15, we've got some bargains that give your skin more burn, wrinkle, and cancer protection. First, think generic. Unless you have supersensitive skin or you're buying sunscreen for a baby, drugstores have plenty of good generic SPF 30s (the minimum you should use). Most generics now offer solid UVA/UVB protection, just like boutique-priced designer brands. Next, check your health plan: Some flexible spending accounts cover...