I'm very pale but not really "milky", and am another who can only use physical sunscreens. I use Suntegrity 5 in 1 on my face. Some may find this product too greasy. The tint evens your skin out ever so slightly, but not as much as most tinted moisturizers. It's available at Dermstore, which often has a 20% off code. "Fair" is a perfect match for me.
I usually wear Tarteguard (from Tarte) on my neck, and Sun'n'fun Mineral Sunscreen for children on my exposed body areas. The latter is available at Amazon. It smells like cocoa butter, and I don't love that aspect of it, but it rubs in easier than most non-nano mineral sunscreens so I deal. The smell does fade.
I wear a baseball hat when i go for a walk, which I know isn't great protection, and a sun hat for more prolonged exposure.