I usually use it all the time so I don't have to bring multiple bottles/varieties, I'm lazy like that. Just because the nearest coral is dead doesn't mean that the chemicals won't impact the live stuff a couple hundred yards farther off shore.
the aerosol sunscreen is incredibly wasteful especially when using in the aruba "winds".
we do use that aerosol stuff sometimes and give ourselves a spray down before heading out to the pool or beach.
there is also alcohol in that product which is very drying to one's skin.