Okay, no female jokes here, alright

I'm raced all my races this year in my TYR sleeveless tri jersey. However, I have a bad problem with the sun
(I'm actually allergic
). In past years, I've had more really severe sunburns
(from triathlons
) than I can count.
Sunscreen w/ the sleeveless jersey was cutting it for me up to the half iron, but at my half iron this year, I missed some spots during my spray application in transition
(I applied spf 50 waterproof lotion beforehand, but the water & wetsuit had rubbed it off I guess, so I 'doubled up' with spray spf 70 in transition.
)
Bottom line, came home with another bad sunscreen - UGH. And that was just a half.
Now DH is so worried about me, he's banned me from racing long course unless I wear long sleeves.
I have an long sleeve, coolmax type top I've been wearing for long bricks, but it doesn't have any pockets which has been driving me nuts on my long workouts & I don't think will workout for IM since I need to carry gels, meds, etc.
My ls bike jerseys are all dark colors and warmer fabrics
(for winter
).
I even ordered a Craft Kona cooler top, but being female, the men's only cut was all wrong & it just wasn't going to work. Now I'm at a loss??? UGH
Any suggestions? Weather is projected to be 64 for the high, 40s for the low.
Any advice greatly appreciated!