I think a lot of people are underestimating the sun in the tropics. Getting a horrible burn is much much much much worse for you than spending a few minutes in a tanning bed to get a base. Even if you are vigilant with sunscreen you can still easily get burned. Especially if you are at a resort and going in and out of the pool.
I've had two all inclusive vacations. On the first one I went to the tanning salon first for 3 sessions of 5 minutes each. It was enough to give me a base and prevent any burn. The second one I didn't. At some point my sun screen failed on me. I had a burn on one side of my body for the rest of the trip.
Tanning salons are a calculated risk.
OP from what I remember, tanning salons aren't very expensive, the trick is they make you buy minutes in large blocks to get a decent deal. Usually they won't cut you a deal unless you are willing to commit to one of these blocks.
I would just phone around to a lot of places. Find out if the minutes are transferable, and transfer extra minutes to a friend of yours who is a girl.
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