I like to wear a string bikini top with board shorts, but my husband is not a fan of that look. I wear a bikini with a skirt over the bottom; I have a casual little white skirt that works with my brown bikini; I also have a flowered bikini that came with a miniskirt as well as bottoms. I don't worry too much about how I look; I figure everyone is on the beach to enjoy themselves, not to stare at me. And if they do stare and don't like what they see, they can look away!
I do have a one piece which I got when the scar on my belly was bright red and I was embarrassed by it. Now that it's sort of a silvery-pink color, it doesn't bother me as much. And most of it is hidden by a biniki bottom anyway -- I may wear a string bikini top, but I like a bottom that covers my butt! Nothing too revealing down there.