I have almost a "uniform" that I now wear for shore excursions in the Caribbean / Mexico. It starts with a bathing suit, then a t-shirty type dress with pockets. I carry a lightweight pair of shorts and maybe a t-shirt but usually wear a suit that can serve double duty as a "tank top" with the shorts. I stopped carrying underwear and a change of clothes because I NEVER wind up changing into them - instead come back to the ship sandy and sweaty and immediately shower.
I like having a bathing suit on even if the shore excursion is not beach/water related because normally after the excursion, I wind up somewhere near the water and can take a quick dip or sit in the sun.
The lightweight tote bag holds the shorts/t-shirt, water shoes, sunscreen and bottled water on the outside pouch. There is an attached "wallet" inside that holds passport, cc, and camera. Minimal small cash goes in the dress pockets. Rolled up beach towel goes in the bag on the way off the ship and that's how I roll .....
